davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
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. (CA)

Experian has many errors on my credit report and it has been sharing my privacy information to companies that Experian has business partnership. 
On Experian credit report of XXXX XXXX they have somebody last four number Social Security # XXXX. That's not my last four. 
Also, Their investigations with the Derogatory remarks of XXXX and past due of {$1600.00} is not correct. 
I didn't have no late payments for XXXX, XXXX or XX/XX/XXXX and in due of respect XXXX   put those past due payments of XXXX on the back of the my auto loan # XXXX.As I had to support my family in XXXX with Medical illness, Medical Expenses and Funeral Expenses from XXXX till XXXX. 
I also had Medical expenses and Financial Hardship in XXXX and XXXX as my XXXX has put me in pains and tribulations. 
I had XXXX in XXXX with XXXX XXXX XXXX of XXXX, California and I am still having pains and, Medical Treatments with Prescribed Medications. 
On my Experian credit report of XXXX XXXX there is many Unauthorize Hard Inquiries that I didn't give written or Verbal Consent to pull my credit. 
I marked all Unauthorized Hard Inquiries with wording and marking of Delete. 
Experian Credit Report is provide it for evidence. 

Also, XXXX XXXX XXXX hasn't updated my timely payments on my auto loan # XXXX as of XXXX XXXX and all my timely payments for my auto loan with XXXX  has been paid with my XXXX XXXX Account ending XXXX XXXX Report # XXXX for XXXX XXXX has many errors and inaccurate information. XXXX, needs to respectfully update my credit report immediately and also place my XXXX Auto Loan Account # XXXX to Current Status for XXXX, XXXX and XX/XX/XXXX and remove the derogatory remarks of {$1600.00} on my credit report of XXXX. 
XXXX XXXX XXXX made a error also placing XXXX, XXXX and XX/XX/XXXX past dues of XXXX. 
XXXX  agreement documents are presented to Consumer Financial Protection Agency, Federal Trade Commission and Department of Justice ADA Disability Civil Rights Act. 
I filed a ADA Disability violations and Discrimination and Retaliation against XXXX XXXX XXXX with Case file # XXXX filed on XXXX XXXX. 

According to XXXX XXXX XXXX credit monitoring XXXX   Credit Report the derogatory remarks of XXXX days late has been removed and my credit score with XXXX is around XXXX. 

XXXX and Experian hasn't removed the derogatory remarks on my credit report as of XXXX XXXX credit report with Experian and XXXX  has inaccurate information and errors for many years. 
Experian, XXXX  and XXXX and XXXX has violated my ADA Disability Civil Rights Act in which Discrimination and Retaliation has been implemented with Department of Justice. 
US Senator XXXX XXXX has been contacted on my issues with XXXX, Experian, XXXX   and XXXX. 
I am XXXX XXXX and XXXX. 
Urgent Matters!
Consumer complaint received 2024-04-30
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. (IN)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove the unauthorized inquiries from my credit report, as they were not initiated or approved by me and are causing me significant distress. It is unjust for me to bear responsibility for these accounts, and I implore you to promptly address this issue.
Consumer complaint received 2023-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (KY)

I have received attempts to collect a debt via mail that is not mine. The name on the debt is XXXX XXXX ( my name is XXXX ), date of birth does not match mine, and address listed on original debt is not anywhere I have lived. I have asked this company to quit contacting us at this address twice. I filled a cfpb complaint back in XX/XX/2023 and received a response that I would not get any more communications from this company, yet I just got another letter from them, dated XXXX.
Consumer complaint received 2023-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (VA)

Company is trying to collect debt that is not mine. I have never had any business with this company or any services. They have refused to provide a service contract to validate the claim of me owing them and it has been two years and they still have yet to provide any documentation. I reached out to credit bureaus for assistance with disputing this and they have not removed the information no matter how many times I have disputed the information. As an identity theft victim it has been so hard to get the corporation of the credit bureaus and organizations to help me recover my information and clean up these inaccuracies.
Consumer complaint received 2024-01-14
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. (GA)

There is an account listed as XXXX XXXX located on my credit file that does not belong to me. Ive disputed this account with the bureau ( s ) numerous times advising them to provide me documentation proving that it belongs to me and they have never provided documentation. The account is fraudulently reporting and violating my consumer right to accurate reporting. Ive attached a previously filed police report and FTC report regarding accounts on my file that I never opened.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX, XXXXXXXX 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 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope this letter finds you well. I am writing to bring to your attention the persistent issues I have encountered regarding the late opening of my account and a charge off account with Credit Bureaus. Despite multiple attempts to rectify the situation, I have been met with ongoing challenges, and I am deeply dissatisfied with the level of service I have received. 

I initiated the process of opening an account with your company, and it has come to my attention that the account opening was significantly delayed. This delay has caused inconvenience and frustration, as I rely on timely access to the services provided by your company. 

I have made several attempts to address this matter by contacting your customer service department, but unfortunately, the issue remains unresolved. The lack of responsiveness and failure to provide a satisfactory resolution have only added to my dissatisfaction. 

I understand that errors can occur, and I am willing to cooperate in resolving this matter promptly. However, the repeated unsuccessful attempts to rectify the situation have led me to escalate this matter formally. 

I kindly request the following actions be taken to address this issue : A thorough investigation into the reasons behind the delay in opening my account and the several appearance of charge off account. 
A clear and concise explanation of the steps being taken to rectify the situation. 
Timely and effective communication throughout the resolution process. 
I expect a resolution to this matter within the specified timeframe from the date of receipt of this letter. If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including filing a complaint with relevant regulatory authorities. 

I believe in your commitment to providing excellent service, and I trust that you will take this matter seriously. I appreciate your prompt attention to this issue and look forward to a swift resolution. I am asking for your assistance to correct these late open account and remove the charge off account in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX : Demand for Removal of Unauthorized Credit Inquiries under FCRA Section 609 To Whom It May Concern, I am writing to demand the immediate removal of the following unauthorized credit inquiries from my credit report. These inquiries were made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ) Section 609.The inquiries in question are : Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.In response to complaint XXXX, your investigation led you to believe that the information was factual. However, I contacted the data furnisher directly, and they were unable to provide verifiable proof that these inquiries were authorized by me. Therefore, according to FCRA Section 609, I demand that these inquiries be removed from my credit report immediately.Please send me a written statement confirming that these inquiries have been removed. If you fail to comply with this demand, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to enforce my rights under the FCRA.Thank you for your prompt attention to this matter. I look forward to your swift response.Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (TX)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed 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
Consumer complaint received 2024-01-15
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. (MS)

The following inquiries on my credit report, I do not recognize and they are not related to any transactions by me and i received no benefit from them. They are causing me injury and harm and denials of actual credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
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. (NJ)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2024-06-24
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. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2023-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I was making payments on my car loan in the amount of XXXX, when my bill is XXXX. Toyota has been taking that extra money and not applying it the principal balance but instead is holding it. 

Anyways, I went to change my reoccurring payment back to XXXX and toyota took that payment and an additional XXXX. 

I called customer service and they said once it is posted, call back and they can do a refund. 

I did and the lady said I would have to get proof on a bank letter head that the funds were taken by toyota and mail them this proof. Then, toyota will send me a check in the mail. 

This is ridiculous as it's 2023 and then can easily refund me my money. 

I think their financial practices need to be looked into.
Consumer complaint received 2024-06-24
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-01-14
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. (PA)

Trade : XXXX XXXX XXXX # XXXX. 
was illegally reinserted on my consumer report without any notice to me within 5 Days as required in accordance with the FCRA. 

The basis of my dispute is accordance with FCRA 6801 and 6802. 

Additionally, FCRA states I have a right to PRIVACY and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 

I demand this account be deleted again permanently from my consumer report immediately I can prove this account was illegally reinserted because I am a paid subscriber to more than one credit monitoring service ( s ) and will be willing to provide proof in a court of law if I file a complaint to take this to court. 

. 
XXXX XXXX XXXX - # XXXX. 

Remove this account immediately.
Consumer complaint received 2024-06-23
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. (FL)

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy. 

Account name : XXXX XXXXXXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AR)

On XX/XX/2023. {$1100.00} was taken from my Cash App account which is connected to my bank account ( XXXX ). The bank reimbursed me {$1000.00} of the funds but recently informed me that Cash app denied my claim and they would have to charge the amount back to my my account. Cash app informed me that my claim had been denied and I have asked for a call from a representative but to no avail. I have attached a copy of the fraudulent activity.
Consumer complaint received 2024-01-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX and 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.