davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (IL)

I have contacted and made previous complaints with with CRA 's about XXXX XXXX reporting incorrect info with them. I have asked for who was spoken to and physical proof with name numbers etc. This information was not given to me only that they allegedly contacted them and verified everything was correct and accurate which it is not. All information across all CRA 's are different, which is putting me at risk for identity theft which goes against FCRA 15 USC 1681. this is also defaming my character by reporting false and inaccurate information. XXXX has reported that the account is closed but is still reporting information defaming my character.An account is supposed to be charged off after 120 days and closed. A charged off account is not to be reporting any amount due if it was charged off and wrote off and filed on that company 's taxes with a 1099 C form which legally is used to cancel out a debt of XXXX dollars or more and the copy B is to be sent to the consumer. I would like this matter resolved in the said amount of time by law according to FCRA 15 USc 1681
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (NJ)

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 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.
Consumer complaint received 2024-04-29
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 submitted a dispute to XXXX for XXXX accounts that I have updated. XXXX XXXX settled for {$360.00}XXXX XXXX XXXX XXXX XXXX  $ XXXX paid in full, and a payment of {$240.00} made on my XXXX XXXX account . My problem is they responded in 3 days with information on file correct. Normally a dispute will take 30 days but it seems they didnt even take the proof of payment into consideration or even investigate it at all. I sent my information because Ive had such a bad history with my information being inaccurate.
Consumer complaint received 2023-12-14
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. (GA)

On XXXX the XXXX, 2023. I have submitted a dispute with TransUnion LLC, and they completed the investigation on XX/XX/2023. I received a letter showing that the account was deleted from my credit report but since I have started reinvestigation with XXXX XXXX XXXX, the company decided to put the account back on my credit file with TransUnion without proof of validation debt. I dispute the validity of the debt mentioned on my credit report with TransUnion and I am requesting the following information : 1. ) Verification of the license to collect debt in my state of Georgia. 2. ) Copy of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt. 3. ) Documentation confirming the existence and validity of the debt including the amount owned or any write-off that the original creditors may have done. I am requesting validation of this debt as per my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 UFC 1692g. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, The furnisher subsequently reports that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Section 605D of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days and to promptly notify the furnisher ( s ) of that information. Please provide me with validation of this account as I requested in this letter or delete the account immediately.
Consumer complaint received 2021-03-07
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)

While disputing inaccurate information with XXXX XXXX XXXX, Experian and XXXX XXXX replaced the previous XXXX XXXX account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have XXXX and XXXX XXXX reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints. 

Both XXXX XXXX nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to XXXX XXXX response to CFBP complaint # XXXX where they confirm that XXXX XXXX closed this account.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-14
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. (NM)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report from agencies, and I have identified several inaccuracies that require attention and correction. 
Incorrect Address Information : The following addresses are listed on my credit report and are inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have never resided at these addresses, and they are not associated with my credit history. 
Unauthorized Hard Inquiries : I have identified the following unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these inquiries on the specified dates. 
I am formally requesting that these inaccuracies be investigated and corrected as soon as possible. Enclosed with this letter, please find supporting documents that validate my claims.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (TX)

Two closed accounts Fraudulent accounts Which is generally defamation my name. I have tried several l times to correct this matter with both closed accounts. I tried to contact for fact finding!!!! XXXXXXXX XXXX  unknown account XXXX XXXX I was minor ..... Which is consumer abuse ( XXXX XXXXeeds to do a XXXX because i have not receive any form of payment in any form. This is negligent violation. I have over thirty one inquires on my credit file. XXXX XXXX auto / XX/XX/XXXX via auto loan XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Texas hot rides XX/XX/XXXX XXXX Fin XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX all inquries are double
Consumer complaint received 2023-12-14
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. (FL)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-07-03
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: SUNCOAST CREDIT UNION (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-12-14
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX XXXX i received a letter from chase credit card services stating a delinquint account under my name was found not my responsibility to which i tried to apply for a credit card through chase card services XX/XX/2023 and was denied with the reason stating i have a charge off on my record from aforementioned account. They are still holding me responsible for that account even though the card was reported as stolen and you guys were contacted back in feburary about that account. Case card services marked it as a normal charge off when it should have been marked as a fraud charge off. I should not be affected by this and should still be able to be approved for a credit card. They also stated that even though i have almost XXXX  years history with the aforementioned card that i dont have enough credit history to be approved. Due to them marking it a regular charge off the XXXX  years were removed from my record.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX, TransUnion, and XXXX my payment history is incorrect. It needs to be updated and removed for late payments. The companies that were paid in full like XXXX XXXX XXXXnd XXXX and XXXX XXXX XXXX XXXX payment history is wrong. My payment history for XXXX XXXX needs to be updated as well. The Balance is incorrect for all three bureaus. My credit score should be updated.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-18
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. (IN)

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 2023-12-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I opened a savings account and deposited a check into it. The check cleared on XX/XX/XXXX XXXX XXXX Then on XXXXXXXX XXXX I received an email saying my account had been closed with out any further information as to why. I called them after waiting 2 months for my funds to come by check in the mail and all they could tell me was that my account was closed and if recorded a check 7-10 business days from the date it was closed. I called another time to request account information and status of check that I hadn't received and they tell me they can't find any information on my account ever existing. I find this ridiculous and it's put me in a bind financially.
Consumer complaint received 2023-12-14
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)

To whom it may concern, I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court.

I contacted the U.S. Bankruptcy Court courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : " XXXX XXXX Bankruptcy '', Docket # : XXXX Please respond to me in writing once this removal has been completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-14
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. (ME)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses , without lawful authority, a means of identification of another person.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The problem is as of today that Transunion has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on Transunion. 

I can provide my correct information such as my driver 's license. 

Thank you.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/2020 thing I will see from notice in the mail from Vystar credit union that it was my final notice and that my account has been overdrawn for 30 days and that I owed {$160.00}. I did not open this account. I live in XXXX Florida on the XXXX XXXX of Florida and this account is open in XXXX Florida, so I called VyStar credit union who put me in touch with spot investigations at VyStar and they told me to file a report from here and then to send them seven information, such as my drivers license and a written statement that must be notarized hearing that I did not open the account, and they also stated that they were already investigating this case.