davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DP OF EDUC XXXX Balance Owed : {$4300.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

The card along with the pin for card number ending in XXXX was lost on or about XX/XX/. I reported the card lost to TD Bank USA via phone and via the online portal that same day. TD Bank failed to close the card ending in XXXX. Every single transaction after XX/XX/ is now TD Bank 's responsibility. I need all those transactions refunded/credited back to me along with any interest charges associated with those transactions. 
On XX/XX/ I called TD Bank and spoke with a Supervisor who referred to himself as XXXX. Although he was helpful at first to ensure card XXXX was closed, he refused to mark all the transactions since XXXX XXXX XXXX  as unauthorized and refused to credit me for those. He hung up on me and I had to call back and refused to transfer me to a Manager. He also again refused to submit the transactions as unauthorized. This is completely unacceptable. I have recordings of the calls. TD Bank is responsible for all those transactions. TD Bank was negligent and allowed those transactions to go through because TD Bank failed to close the card even though I requested it to be closed multiple times. The TD Bank representatives over the phone have a difficult time comprehending proper English so I had to talk to them in XXXX since I am XXXX. They don't understand the regulations in the US and they don't understand the meaning of liability and of negligence. Please get this situated. Thank you.
Consumer complaint received 2023-10-25
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. (TN)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX 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 2023-10-25
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. (NY)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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: EQUIFAX, INC. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I reported this twice with both XXXX and XXXX and lastly Experian via It has come to my attention that XXXX XXXX has flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 

Furthermore, 12 CFR 1016.4 clearly stipulates the necessity of an initial privacy notice to customers and consumers alike. Every company, including XXXX XXXX, XXXX, experian, XXXX are mandated to furnish a clear and conspicuous notice that accurately reflects their privacy policies and practices before they contribute any information to a consumer report. This provision serves as a fundamental safeguard of consumer privacy. 

My concern is not limited to these regulatory oversights ; it extends to the broader implications for my financial well-being and personal privacy. The Fair Credit Reporting Act and Privacy Act of 1974 are in place to protect consumers like me from unauthorized disclosures and safeguard our sensitive information. XXXX XXXX 's, actions, or lack thereof, represent a serious breach of these vital safeguards.
Consumer complaint received 2023-04-20
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)

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (MD)

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.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I reported this twice with both XXXX and Equifax and lastly XXXX  via It has come to my attention that XXXX XXXX has flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 
Furthermore, 12 CFR 1016.4 clearly stipulates the necessity of an initial privacy notice to customers and consumers alike. Every company, including XXXX XXXX, equifax, XXXX, XXXX are mandated to furnish a clear and conspicuous notice that accurately reflects their privacy policies and practices before they contribute any information to a consumer report. This provision serves as a fundamental safeguard of consumer privacy. 

My concern is not limited to these regulatory oversights ; it extends to the broader implications for my financial well-being and personal privacy. The Fair Credit Reporting Act and Privacy Act of 1974 are in place to protect consumers like me from unauthorized disclosures and safeguard our sensitive information. XXXX XXXXXXXX XXXX, actions, or lack thereof, represent a serious breach of these vital safeguards.
Consumer complaint received 2023-10-25
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (KS)

XXXX dollars and a little bit change was due back to me back in XXXX when I stopped in a XXXXXXXX store in XXXX, Ks and canceled the account. They sent me a bill for XXXX dollars and XXXX cents in XXXX. Everything was fine until I received a mail From AllianceOne Receivables Management , Inc. Saying that they were needed to collect the money owed by me to XXXX. I called them and told them what went on with XXXX being canceled and didn't owe money. They have called me 6 times since XXXX XXXXI sent them a message today saying to stop calling. I will see if they do.
Consumer complaint received 2023-03-10
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: Innovate Managed Holdings, LLC (AZ)

In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-25
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX 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 2023-10-25
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: Experian Information Solutions Inc. (AR)

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts, these inaccuracies remain unresolved, causing significant distress and financial consequences. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments and account closure records. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the late open accounts in question. An investigation into the origins and validity of these accounts, including the verification of my claims regarding the correct opening and closure dates. Immediate correction and removal of these late open accounts from my credit report if they are found to be inaccurate. An explanation for the prolonged delay in resolving these disputes and the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify these inaccuracies and a specific timeline for their completion. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your assistance to correct the late open accounts in my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

Subject : Complaint Against Experian for Non-Response and Refusal to Remove Inaccurate Inquiries Dear Sir/Madam, I hope this letter finds you well. I am writing to lodge a formal complaint against Experian, one of the major credit reporting agencies, for their failure to respond to my letters and their refusal to remove inaccurate inquiries from my credit report. 

Over the past XXXX months, I have made repeated attempts to address the presence of inaccurate inquiries on my credit report, which I did not authorize or initiate. In my letters to Experian, I provided specific details about the erroneous inquiries and requested their immediate removal. Despite my efforts, I have not received any response from Experian, nor have they taken any action to rectify the inaccuracies. 

This non-response from Experian has left me in a state of frustration and distress, as the inaccurate inquiries are having a detrimental effect on my creditworthiness and financial reputation. I am deeply concerned that these unauthorized inquiries may lead to potential identity theft or fraudulent activity, which is alarming and unacceptable.

I kindly request the Consumer Financial Protection Bureau 's intervention to ensure that Experian promptly addresses my concerns and takes the following actions : 1. Conduct a thorough investigation into the presence of inaccurate inquiries on my credit report. 
2. Verify the legitimacy of each inquiry and confirm whether I indeed authorized them.

3. If any inquiries are found to be unauthorized or inaccurate, Experian must delete them from my credit report immediately.

4. Provide me with a written explanation of the investigation 's outcome and the steps taken to rectify the situation. 
It is my right as a consumer to have accurate and reliable credit information, and I believe Experian 's refusal to respond and act upon my legitimate concerns is a violation of the Fair Credit Reporting Act ( FCRA ). 
Enclosed with this letter, you will find copies of the previous letters I have sent to Experian, outlining the specific inaccurate inquiries that need to be addressed. 

I trust that the Consumer Financial Protection Bureau will treat this matter with the seriousness it deserves and take appropriate action to ensure that Experian complies with the FCRA and promptly resolves this issue. 

I kindly request that you keep me informed of the progress of your investigation and any actions taken to rectify the situation. Please feel free to contact me at the provided email address or phone number if further information is required. 

Thank you for your attention to this critical matter. I look forward to a swift resolution and the removal of the inaccurate inquiries from my credit report. 

[ Enclosures : Copies of previous letters to Experian ]
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

THIS ACCOUNT IS OUTDATED & EXPIRED IN XX/XX/2023. PER FCRA LAWS IT IS TO BE REMOVED FROM MY CREDIT YET IT REMAINS ON PAST ITS EXPIRATION WITH NO EFFORT BEING MADE BY EQUIFAX TO REMOVE IT. 

PER THE FCRA LAWS THIS ACCOUNT IS A NEGATIVE ACCOUNT & EXPIRES IN 7 YEARS. WITH THAT EXPIRATION OF 7 YEARS THE ACCOUNT IS TO BE REMOVED BY LAW! 

I REFUSE TO PROVIDE ANY IDENTIFICATION OUTSIDE OF WHAT THE CFPB REQUIRES TO FILE A COMPLAINT ON THIS SITE! 

YOUR PHONY RESPONSE WILL GO UNRESPONDED TO BUT WILL BE REPORTED TO THE CFPB & INCLUDED IN THE CIVIL SUIT SHOULD YOU REFUSE TO OBEY THE LAWS AGAIN & TRY TO AVOID DOING YOUR JOB!!!!
Consumer complaint received 2023-10-25
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. (CA)

I am filing this formal dispute with the Consumer Financial Protection Bureau ( CFPB ) to address serious inaccuracies within my TransUnion credit report. The primary concern centers on an auto loan erroneously labeled as not paid in full, despite being satisfied for over 60 days. These inaccuracies have had a substantial impact on my financial standing, requiring a comprehensive resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

Issue at Hand : The core problem involves the misrepresentation of my auto loan payment history. While I consistently made timely payments in XXXX, XXXX, and XXXX, a pivotal discrepancy arose in XXXX, inaccurately marked as 30 days late. This directly contravenes several FCRA sections, including Section 1681e, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c, and 15 U.S.C. 1681o. 

I have presented compelling evidence confirming the auto loans satisfaction. This evidence includes a lien release statement from the lender, an explicit statement from the lender confirming the loans fulfillment, and the issuance of the vehicle title with the removal of the lien holders name.
Consumer complaint received 2023-10-25
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. (FL)

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 2023-10-25
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. (NJ)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Discover clearly stated that when the account was revoked, the {$600.00} deposit was applied to the balance, resulting on an ending balance of XXXX. I do not owe the amount they continue to reflect on my credit report and it has hindered my ability to get new credit.
Consumer complaint received 2023-09-10
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.