davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kehoe Financial Group, LLC (DC)

I received a letter from XXXX XXXX XXXX attempting to collect XXXX debts on XX/XX/XXXX, each of XXXX. XXXX XXXX claimed I had received XXXX traffic violations in XXXX, XXXX in XX/XX/XXXX. I had not received the initial notices of these from XXXX, and upon request, XXXX provided copies of those violations on XX/XX/XXXX. I have XXXX issues of concern. 

XXXX ) I was deprived of the ability to contest the fines, as XXXX failed to provide them to me. 
XXXX ) I was assessed penalties on the fines, because I did not pay them promptly, though I had no notice of the fines. 
XXXX ) XXXX is attempting to collect XXXX per violation. Each fine, with penalties, is XXXX XXXX. As of writing, the conversation rate for Euro to Dollars would make each fine about {$250.00}. XXXX 's attempted over-collecting is egregious and without authority. 
XXXX ) XXXX failed to provide notice of the violations within 1 year of the issuance of the violation. According to the XXXX Department, they have exceeded their available time to provide me notice of the violation. 

I have tried to resolve this issue with XXXX but they have refused to discuss any of my concerns. I have tried to address this concern with the XXXX of XXXX, and that effort is ongoing. I have contacted the XXXX Department XXXX covering XXXX, and they have been helpful. I would like the CFPB to assist in resolving my immediate issue with XXXX.
Consumer complaint received 2024-05-13
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. (IL)

Starting in XXXX i have sent several dispute letters to Transunion with all my proper documentation and nothing has been resolved, XX/XX/XXXX i submitted my FTC report, official police report and all the accounts that do not belong to me and nothing has been done, per transunion the accounts are coming back as verified more than 30 days later, on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX i submitted all the documents again and i keep getting the same results, this is an ongoing issues with transunions and i would like my credit file updated and accurate.
Consumer complaint received 2024-05-13
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. (NY)

I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.
Consumer complaint received 2023-06-05
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-23
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX 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 2024-08-15
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: CLGF Holdco 1, LLC (CA)

I have been paying for credit protection since I first Obtained the Destiny Mastercard. 
In XXXX I was going thru a difficult time health wise. Was scheduled for multiple surgeries that resulted in me not doing well. During this time I had XXXX XXXX XXXX. 

Although the company credited the late fees I have been going back and forth with them because they are refusing to honor the credit protection for XXXX XXXX XXXX and XXXX this has resulted in negative credit reporting that is inaccurate and should be removed. 

They keep saying they can not update a credit report. This is not true I had credit protection and the lates needs to be removed
Consumer complaint received 2024-06-27
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-05-13
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. (TX)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions made by me the consumer. This block is not being made in error, or on a basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Consumer complaint received 2024-05-13
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. (NE)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
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. (OH)

I reviewed my credit score through credit karma and my score seemed to be oddly low when I paid off my car note in full just recently and then I realized a car loan that I didnt establish like who even give you guys permission to report such things you should know its fraud all the inquiries on my file as well as the acceptance car loan is fraudulent as well My information may have been impacted by the XXXX XXXX XXXX and XXXX XXXX breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists 15 USC 1666 ( a ) A creditor may not treata payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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 2023-11-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My account was closed, however they didnt inform me why? 
When I tried to ask ( Bank of America ) said its a business decision also they have frozen my funds without saying the reason and when I did the previous complaint they answered after it by XXXX weeks saying there was a claim against from my Mothers ex XXXX XXXXXXXX XXXX. 
I have provided to them all documents and attached the documents here also to proof that these funds are mine and asked them about an official statement from them in order to sue XXXX XXXX XXXX XXXX and my mothers ex. 
Im struggling and suffering from these frozen funds. Please help me to return these funds
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have asked several times now for investigations to be done on the accounts I will include as an attachment. Each time they have come back verified although they are not accurate they are incomplete and in violation of the FCRA. Because they were still reporting these accounts I asked for description of how the investigation was done. I just had another investigation completed and same results sent back to me. I have now sent another certified letter with a copy of my driver 's license, gas bill and social security card asking for another reinvestigation. I will include the letter in attachments as well as the clear inaccuracies and incomplete information they are continuing to report. They are hurting my ability to obtain credit by continuing to report inaccurate incomplete information.
Consumer complaint received 2024-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I write to bring to your attention a grave discrepancy within the records maintained by your esteemed agencya matter of profound significance that warrants immediate redress. It has come to my attention that an unauthorized bankruptcy filing has been attributed to my name, a grievous error that not only transgresses the bounds of legality but also egregiously violates my constitutonal rights. 

Furthermore, I must draw your attention to additional inaccuracies permeating my credit report. Specifically, the bankruptcy in question was filed a decade ago, rendering its continued presence within my financial dossier wholly unwarranted and patently erroneous. Such discrepancies undermine the integrity of my financial standing and compromise my prospects for future endeavors. 

The inclusion of this unauthorized bankruptcy not only besmirches my reputation but also precipitates significant financial detriment, casting an unjust pall over my creditworthiness. Therefore, I implore your agency to undertake immediate and decisive measures to rectify this egregious oversight. 

I caution that failure to expeditiously adress these concerns will compel me to pursue legal recourse without hesitation. I stand resolute in my commitment to utilize all available legal avenues to seek redress for the damages incurred as a consequence of your agency 's negligent reporting practices. 

In summation, I urge your agency to exercise due diligence in expunging the unauthorized bankruptcy from my record forthwith, thereby safeguarding my financial integrity and forestalling the necessity of protracted legal proceedings.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have not been able to access my account online to pay bills or transfer my money to another institution since last Friday XX/XX/23, over a week ago! I've called customer service on Friday, Saturday, Monday & Wednesday, spent HOURS on the phone with no solution. All they say is they did an upgrade and they are working on it. No actual solution, timeframe, and XXXX communication from Citizens to even acknowledge there is a problem. Customer Service is completely XXXX and woefully untrained to deal with so many arguably justified angry customers. They again have provided no solution to this issue. I called the bank to withdraw my funds as cash since I need to pay my bills and they said I needed to give them a week to order my money??? They should be ashamed of themselves. It's ludicrous and they shouldn't be allowed to XXXX around with other peoples money or their access to it and have no reprecussions for their actions.
Consumer complaint received 2024-01-31
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. (OH)

I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. Despite diligent efforts on my part to rectify discrepancies, the inaccuracies persist, impacting my financial standing and consumer rights. I have diligently contested the inaccuracies present within the information provided to XXXX, XXXX, and TransUnion. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report TransUnion : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (NJ)

Experian refuses to delete inaccurATE ITEM ON MY CREDIT REPORT I HAVE DISPUTED XXXX XXXX XXXX FOR THE PAST YEAR. DUE TO IT BEING FRAUDULENT, IT WAS DELETED AT ONE POINT AND THEN IT WAS PUT BACK ON MY REPORT. EXPERIAN STATED THAT THE COMPANY TREATENED THEM SO THATS WHY THEY PUT IT BACK ON.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (WI)

I have over years trying to remove these hard inquiries and stuff that's on my report I have sent paperwork to y'all and other peoples and all the companies and the creditors and they still haven't removed them
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (IN)

I completed a payment deferment package for the month of XXXX and XXXX of XXXX. At the time this was done, I had made a partial payment of {$150.00} and was waiting on an additional of {$300.00} that was mailed. I was advised that this would cover my XX/XX/2024 payment by GM reps. I am now being reported as over 60 days past due and this is not true. I am due for XXXX and as of today I am 30 days past due but no longer. I have been speaking to a manager by the name of XXXX and she's told me twice that the issue was resolved and that the reporting was corrected however this is not the case and I am still showing 60+ days delinquent. I do not want to lose my vehicle for inaccurate reporting. No one has truly corrected the issue of reporting or the amount due.
Consumer complaint received 2023-12-06
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. (AL)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 
XXXX XXXX I Last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-09-25
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.