davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Hello, Over the past year Ive been having credit issues. I had 3 Credit cards and they were all closed concurrently. I called My Bank, and my credit card companys and they told me they closed my accounts due to me not verifying my information or so. They said they sent me a letter in the mail stating that I had to verify my information but I never received that. I now have delinquent accounts on my report and it is draining my credit score.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (PA)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX 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 2024-07-11
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: National Credit Systems,Inc. (OR)

I called to get things straightened out for now the 3rd time with these people and this time around I couldnt get anyone to speak to me that had any info. The one time I was able to get someone to answer my call I was told that they would pass my message along about me disputing the case. I was told that I would get a call back when ever the person that had more info was back in the office. I never received any call nor anything in the mail. I called countless times and never was able to get anywhere with things. 

I am working on moving into an apartment but even though 2 of the 3 credit bureaus have removed this from my credit, XXXX still has not removed it and its now become a burden. The court case was DISMISSED meaning that I followed my end of the agreement, and part of the agreement was that I wouldnt owe if I moved out. I did exactly that. Nothing was ever filed saying otherwise. The one time that something was attempted to be filed the court ruled moot since we already had a signed stipulated agreement that I had complied with.
Consumer complaint received 2024-01-18
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-18
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: 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. 

I told XXXX, and Equifax to reinvestigate these accounts : accounts : Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX name : XXXX XXXX XXXX XXXX .Account nameXXXX  XXXX  Account name : XXXX XXXX XXXX, XXXX. Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXX ..However, they stated everything wascomplete and accurate. But how is that possible if the open date, date of XX/XX/XXXXXXXX XXXX activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

In late XXXX, a person called Chase Bank pretending to be me. They asked for a replacement debit card to be sent to an address not associated with my account, a vacant house and hour away from where I live. This person also asked for the pic code to be delivered to that same address. Once this person got this card and code, they charged over {$1000.00} over two days. I saw these charges and cancelled the card immediately and told Chase that I did not ask for a card and I have never heard of this card 's account number. I made police reports to two departments and provided all of this information to Chase. Chase will not refund my money, even though it was Chase who sent out the fraudulent debit card.
Consumer complaint received 2024-01-12
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (OH)

I had a background check provided by XXXX and it say very incorrectly that I'm a XXXX XXXX not only once but twice! Which has never happened with any other background check and is definitely not true. I'm paying for an account that is now frozen due to this misinformation and missing out on opportunities to make money I desperately need as I'm currently out of work. I'm very angry and expect this to be resolved immediately
Consumer complaint received 2024-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this complaint to address items that should all be updated/ removed from my credit report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I opened a account was very clear I needed the bank account for work due to XXXX stealing my money I had trust issues a employee took over my account now he has my address phone number identity he was able to send or retrieve funds because someone noticed odd nobody helped me resolve the matter nobody would talk to me it was swept under the rug I sent emails that were disregarded I didn't sue because I thought I needed money up front
Consumer complaint received 2024-01-18
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)

My information was sold and bought illegally because I was a victim of th Equifax data breach. I want these items Deleted from my credit reports fective immediately. Lam attaching proof that Equifax has admitted tha was in fact a victim of this data breach and Equifax has done nothing. ease help me delete these illegal accounts from my credit reports. List : lose negative acounts from your Equifax credit reports. Account name and account numbers and file Your complaint with the CFP
Consumer complaint received 2024-04-27
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 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 XXXXXXXX XXXX XXXX XXXXXXXX : Account Number : XXXX XXXX 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OH)

This company has repeatedly up ton5 times in a row hung up on me after asking them to help add accounts and bills to my experian boost acocunt. The feature is no longer visible in the XXXX Experian mobile app. And obly available online on devices browser and can not be managed securely. The representatives repeatedly and up on comsumers when asked for assistance with the feature. They have nasty attitudes and simply hang up as they are in another conpany.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion is reporting Inaccurate information on my credit report. 
TransUnion File Number : XXXX Date Created : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Order attached. 
XXXX XXXX XXXX Account Information, XXXX Balance {$100.00} Date Updated XX/XX/XXXX High Balance {$100.00} Original Creditor XXXX XXXX XXXX XXXX  This is a insurance payment already paid. I got coverage at auto dealer, when buying a car on XX/XX/XXXX. I cancelled policy with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I sent an email to XXXX XXXX cancelling policy # XXXX XXXX. XXXX XXXX  need to provide validation for debt.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (VA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2023-12-15
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. (NY)

1. XXXX XXXX my Account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
2. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX. Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, XXXX, and TransUnion have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, Transunion, XXXX, And XXXX to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Complainant : XXXX XXXX XXXX XXXX : XXXX XXXX  Date : XXXX Subject : Disputed Credit Card Account Closure and Inaccurate Credit Reporting by XXXX XXXX  Dear Sir/Madam , I am writing to lodge a formal complaint against XXXX XXXX regarding a disputed credit card account and subsequent inaccurate reporting to credit bureaus. 

Account Details : Originally, I held a secured credit card account with XXXX XXXX, with a credit limit of {$5000.00}. 
Subsequently, I transitioned to using a debit card provided by XXXX XXXX. 
XXXX XXXX  claims that I was moved from a secured to an unsecured credit card, which I contest. I have been using only a debit card. 
Issues and Concerns : Lack of Information and Access : After XXXXXXXX XXXX XXXX  alleged transition of my account from secured to unsecured, I was not provided with any documentation or access to account information. This lack of communication and transparency is unacceptable. 

False Allegations and Closure of Account : XXXX XXXX  has inaccurately stated that I closed the credit account, which is untrue. The account was closed by the bank itself following regulatory actions by the U.S. Federal Government. Despite this, XXXX XXXX  has falsely reported to credit bureaus that I defaulted on the account. 

Inaccurate Credit Reporting : XXXX XXXX  has reported a default on this disputed account to credit bureaus XXXX months after they were shut down by the U.S. Federal Government. This erroneous reporting is damaging my credit score unjustly. 

Inadequate Customer Service : Efforts to contact XXXX XXXX  for clarification and resolution have been futile. The contact number provided connects to an individual with limited XXXX proficiency, offering no assistance or access to relevant information. 

Questionable Business Practices : XXXX XXXX  operated as an app-based banking service, akin to XXXX and XXXX XXXX, primarily used for social media transactions. The nature of their business and the subsequent federal closure raise serious concerns about their operational integrity. 

Request for Resolution : I seek immediate correction of the false credit reporting by XXXX XXXX. 
I demand a formal acknowledgment and evidence regarding the alleged transition from a secured to an unsecured credit card, which I dispute. 
I request a thorough investigation into the practices and customer communication protocols of XXXX XXXX. 
The impact of XXXX XXXX XXXX actions on my financial standing is significant and distressing. I am seeking the CFPB 's intervention to rectify these inaccuracies and hold XXXX XXXX  accountable for their misleading and damaging conduct. 

Thank you for your attention to this matter. I am willing to provide any further information or documentation as required. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates (PA)

Someone stole m my identity and used my name and its error on my report and i am being XXXX  by this company every day.fraud all on my account that someone using my name and credit and its not fair I had a bad divorce and my name bein ruin again.
Consumer complaint received 2023-12-15
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: EQUIFAX, INC. (TX)

Delete hard inquiries, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NY)

On XX/XX/2023, I applied for a {$35000.00} loan with ONEMAIN FINANCIAL and was told that my application was unable to be approved. ONEMAIN FINACIAL placed a hard inquiry o my credit profile and sate falsely claim that I did not meet the criteria for a loan. This is inaccurate as the entire consumer transaction is predicated on my own credit which I am merely seeking to access a portion of. The denial of my application is a false and misleading denial of my own credit pursuant to : 15 U.S. Code 1611 - Criminal liability for willful and knowing violation For my application denial, ONEMAIN FINANCIAL states the following reasons : Percent of XXXX XXXX  in use Credit amount on revolving trades Percent of revolving credit in use Ratio of balance to credit These reason for denial of the application is not in accordance with the FTC, CFR, and the FCRA as they are predicated upon willful and erroneous data to cause me denial and financial injuries As you made be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 
Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 upon my application being denied I received no letter In writing telling my why I was lawfully denied. Instead, I received an electronic notice ( see attachment ) stating the four unlawful above to justify the loan denial reasons. 
This is booth evidence and proof that I have been discriminated against, ONEMAIN FINANCIAL Is also criminally Liable and should resort to reasonable procedures to rectify this affair and compensate me for this use of my security, otherwise this would be security fraud since I have no BENEFIT. 

according the ONEMAIN FINANCIAL prospectus : The information in this preliminary prospectus supplement and the accompanying prospectus is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are part of an effective registration statement filed with the Securities and Exchange Commission. This preliminary prospectus supplement and the accompanying prospectus are neither offers to sell nor solicitations of offers to buy these securities in any jurisdiction where the offer or sale thereof is not permitted. 
Filed Pursuant to Rule 424 ( b ) ( 7 ) Registration Statement No. XXXX Since they are taken said position as to guarantee not to sell my security or make no offer to by my security they have admitted to financial fraud in the act denying me my security.