davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AUTOMOTIVE CREDIT CORPORATION (CO)

I was a victim of domestic XXXX and I was coerced into co-signing an automobile loan. I did not benefit from this agreement, I did not drive or ride in the vehicle. The loan defaulted and the vehicle was repossessed during the XXXX pandemic. Due to the mandatory lock down, I did not have money to pay the late payments. 
After an incident with law enforcement arresting my ex, I left the relationship. I am unable to get approved for any type of loan. I can not open bank accounts. I can not rent an apartment, I can not buy a car. I can not rent a car because I do not have a credit card. 
I notified the 3 credit bureaus and placed a freeze on my reports.

I sent a copy of the police report to the finance company and they refused to remove me from the loan.
Consumer complaint received 2023-12-30
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 am writing to file a formal complaint regarding the ongoing challenges I have faced in attempting to correct late open accounts on my credit report. Despite multiple attempts to address this matter, the inaccuracies persist, adversely affecting my creditworthiness and causing significant frustration. 

These inaccuracies are negatively impacting your credit score and causing financial distress. 

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information. 

I am requesting that you investigate this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the late open accounts. 

I am deeply frustrated by the continued presence of these late open accounts on my credit report despite my repeated efforts to correct the inaccuracies. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the persistent inaccuracies promptly. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00}.
Consumer complaint received 2023-04-24
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. (GA)

I am a natural person and living human being that has rights under 15 USC 1681.

It is clear that Equifax which is governed by 15 USC 1681 has violated my rights via their Data Breach and Fake Score admission. 

What is most egregious is that Equifax had not only violated numerous consumer rights but my privacy rights, too. They have given my personal information to third parties without my written consent. 

It is very clear that they have committed identity theft. 

I do not trust Equifax because it is clear that they have used my information for personal gain and have a complete disregard for my well-being personally. 

They are not looking out for my best interest. 

I have been financially, emotionally, and psychologically violated and I want restitution immediately by the removal of the following accounts from my credit report. 

See the attachments for proof of such facts. 

Also, here are the following consumer laws that Equifax Knowingly and Willfully Violated : 15 USC 1681 Accuracy and Fairness of Credit Reporting 15 USC 1681 ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ) - This one includes the right to privacy 15 USC 1681b Reasonable procedures 15 USC 1681b ( a ) ( 2 ) - in accordance with the written instructions of the consumer to whom it relates. 

You will also find, via attachment, the info. about my Equifax Data Breach and Equifax Fake Score admission.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (VA)

This is related to existing complaint XXXX. Because I can not submit additional information after I have submitted the complaint, I am providing you an update that the bank is lying to the CFPB. Please see the attached whereby the chairman and CEO of the payee ( XXXXXXXX XXXX  ) stated that Chase confirmed the check that was fraudulently endorsed and deposited. There should be no reason why JPMorgan Chase is not reimbursing the funds. Due to the large nature of the transaction I have lost over {$35000.00} in investment potential because JP Morgan Chase has not refunded this amount due to their wrongdoing.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital tole and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-11-07
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. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX )
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (MD)

I recently reviewed again my XXXX, TransUnion and XXXX 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 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Citibank denied a dispute I filed XX/XX/XXXX for a defective item I purchased, Citibank sided with the merchant, even when the merchant did not provide evidence that they worked with me to solve the issue. Merchant only provided a copy of the order details. Citibank sent me a letter stating that in order for me to pursue the dispute further, to sign. letter they sent me as well with additional documentation. I signed such letter, and attached multiple email communications I sent to the manufacturer where they deny anything is wrong with the item, even when they have not inspect it physically to make such determination. I sent email to Citibank email address for disputes at, XXXX in multiple dates, XX/XX/XXXX and XX/XX/XXXX. I have contacted Citibank in multiple opportunities after this emails and they still claim they have not received any email from me. I have until XX/XX/XXXX to send this letter and extra documentation in order to proceed further with my dispute. I did send emails to Citibank before the XX/XX/XXXX deadline so I was on time. It is not my fault that Citibank faulty system is not receiving the email correspondence I sent. I am attaching copy of the emails sent to Citibank, as well as the documentation attached to such emails.
Consumer complaint received 2024-05-02
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)

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 Account Number:XXXX has violated my rights. Or a 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 XXXX 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 2023-10-31
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: FIRST PORTFOLIO SERVICING INC (CA)

I have a list of companies that have run inquiries on my name that i did not authorize nor have no knowledge of until. I am a victim of identity theft and have rights as a consumer. I have docs to provide the status of being identity theft victim
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me None of these employers belong to me XXXX XXXX does not belong to me XXXX XXXX does not belong to me XXXX does not belong to me
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-07-22
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: BMW Financial Services NA, LLC (LA)

On XX/XX/XXXX, XX/XX/XXXX, and In accordance with the fair credit reporting act, this creditor BMW Financial has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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
Consumer complaint received 2023-07-22
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: BMW Financial Services NA, LLC (LA)

On XXXX, XXXX, XX/XX/2022, and In accordance with the fair credit reporting act, this creditor BMW Financial has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
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: EQUIFAX, INC. (NY)

I just checked and reviewed again my Equifax, XXXX and XXXX 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 2024-05-02
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. (CA)

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent Charges {$1300.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

FCRA VIOLATIONS ; NOT MY INFORMATION PLEASE REMOVE INCORRECT ACCOUNTS XXXX XXXX XXXX Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$100.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XX/XX/XXXX Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$6800.00} Highest balance {$6800.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Contact info Address XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number XXXX XXXX ) XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-02
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)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.
Consumer complaint received 2024-05-02
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

XX/XX/year> there was a transaction for {$85.00} made on my brothers cash app account. He is underage so I am the sponsor on his account so I have the authority to speak on his behalf. The transaction was made for a withdraw from our mothers card ending in XXXX to be added to his cash app balance he immediately realize this was mistake and with Drew the money from his cash app balance back to the card XXXX and we can provide proof of that however neither cash app nor go to bank credited the money to the card and when we try l it and we have filed complaints with the federal reserve disputed it with the bank file complaints with Cash App and they tell us that there is no new information on it and they would be happy to assist us if we had any other concerns, but they can no longer assist us on this matter and we are just out {$85.00} and no one can do anything about it. the cash app account that it occurred from was $ XXXX and the bank was XXXX bank which states that no error occurred and the money was never sent to them. someone needs to figure out where this XXXX $ is and it's been weeks now u fair for the consumer to be told they are simply out of luck with no explanation
Consumer complaint received 2024-05-03
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)

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