davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NY)

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 Charge-off {$5700.00} XXXX XXXX XXXXXXXX XXXX Charge-off {$4400.00} XXXX XXXX XXXX XXXX Charge-off {$6700.00} XXXXXXXX XXXX XXXXXXXX XXXX Charge-off {$460.00} However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

My account ending in XXXX with XXXX should not have been closed. They claim on certain dates stop payments were made or there were insufficient funds. My bank, XXXX has confirmed that there were sufficient funds on XX/XX/XXXX for {$78.00} and {$50.00} on XX/XX/XXXX. And XXXX confirmed no payment attempts were made against my account for those dates. They wrote two letters indicating the dates XXXX payments were denied. One was for XXXX XXXX XXXX on XX/XX/XXXX ( fraud ) for {$51.00} and XXXX XXXX XXXXXXXX for {$10.00} on XX/XX/XXXX ( fraud ). These are the only two times payments were stopped in regard to XXXX. Again funds were available on the dates XXXX claims to have attempted to withdraw those payments. And no stop payments were issued on those dates. My account was in good standing, and it should not have been closed. And someone should have contacted me about any payment issues before closing my account.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (PA)

My account ending in XXXX with XXXX should not have been closed. They claim on certain dates stop payments were made or there were insufficient funds. My bank, XXXX has confirmed that there were sufficient funds on XX/XX/XXXX for {$78.00} and {$50.00} on XX/XX/XXXX. And XXXX confirmed no payment attempts were made against my account for those dates. They wrote XXXX letters indicating the dates XXXX payments were denied. XXXX was for XXXX XXXX XXXX  on XX/XX/XXXX ( fraud ) for {$51.00} and XXXX XXXX  XXXX for {$10.00} on XX/XX/XXXX ( fraud ). These are the only XXXX times payments were stopped in regard to XXXX. Again funds were available on the dates XXXX claims to have attempted to withdraw those payments. And no stop payments were issued on those dates. My account was in good standing, and it should not have been closed. And someone should have contacted me about any payment issues before closing my account.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm not a legal expert, but I can highlight some consumer protection laws relevant to identity theft and credit reporting. There are names addresses and previous addresses i dont recognize on my credit report.The Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) are two important laws that protect consumers in such situations. These laws allow individuals to dispute inaccurate information on their credit reports, including fraudulent accounts resulting from identity theft. According to these laws, consumers have the right to request the removal of unauthorized names addresses and employers from their credit reports. please remove these also known as previous addresses employers.
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: EQUIFAX, INC. (CA)

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (OH)

XXXX XXXX XXXX has falsely sent me to collection. In XXXX, I lived in an apartment building that XXXX XXXX XXXX provided internet service to. For some reason, after I left, XXXX XXXX XXXX sent me the internet bill from that apartment. I was not responsible for paying the internet there. In XX/XX/XXXX, XXXX XXXX XXXX contacted me about a final notice for a bill totaling {$130.00}. I contacted them and clarified that I did not owe them {$130.00} because the apartment was not mine. They confirmed that I did not owe them {$130.00}. However, on XX/XX/XXXX, I received a notification on my credit report that I was flagged for a collections amount totaling {$130.00}. I contacted the credit agency, Credence Resource Mana, and I told them I was confused why they flagged me for collections. They told me that XXXX XXXX XXXX withdrew the collections. The issue is that my credit score went down XXXX points because of the flag. So I was still injured.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This started when locating in XXXX XXXX Nv in XX/XX/year>. Multiple charges on the account registered in XXXX XXXX and XXXX XXXX only were processed and posted to the account after calling and reporting fraud. The request for the bank statements has been going on for years and to this day have yet to make an appearance. Every bank account in my name XXXX XXXX from the years XXXX have disappeared the same with XXXX XXXX XXXX XXXX XXXXXXXX XXXX The United States Treasury and Department of Veteran Affairs has deposited a monthly direct deposit since XX/XX/year> for Compensation/Pension into these accounts and has record of it as well but the banks cant find the bank statements or the accounts. The banking institutions are lying to the public and causing a lot of financial hardships and ripping off good people for reasons non other than insecurities and intimidation that a woman could make more than them.
Consumer complaint received 2023-12-11
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. (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 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

This account is too old to be reported on my credit reports. ACCOUNT SHOULD BE REMOVED 3 YEARS FROM THE DATE OF THE LAST TRANSACTION per the FCRA and the debt collection statutes in the state of Alabama, the debt should be removed 3 years from date of last payment which is XX/XX/XXXX. The longest amount of time allowed for a lender to display an old account is 6 years from the date of the last payment and that is for mortgages only, but even using that date this item should have been removed in XXXXXXXX XXXX XXXX. I have requested proof of the debt, proof of ownership of the debt, a signed contract or agreement between myself and the lender, any other documentation showing this debt is mine, the dates of the debt, and the lender has failed to respond at all. They have not provided any proof of ownership of debt and they have not removed the item due to the date of the last reported transaction on the account being more than 6 years ago.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

i have reviewed my credit report and found there are several inaccurate data points within my personal identification which XXXX along with Equifax are reporting.

8 U.S.Code 1305 Notices Of Change of Address, on XXXX, 2023 i am requesting the following : My only name is XXXX XXXX XXXX Please delete/remove any other name you are reporting that does not match. only have one name on account. 
My only address is XXXX XXXX XXXX XXXX XXXX, Michigan XXXX remove any address that does not match this address My only social security number is XXXX Please remove all telephone numbers and employment contact. 
Both credit agencies has put me in a ruff place as far as getting transportation Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX Date : XXXX These two agencies has refuse to follow The ( FCRA ) and report accurate information. 
I am asking that cfpb make sure that these reporting agencies implement the correct information on my credit report.
Consumer complaint received 2023-12-29
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: Experian Information Solutions 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 : XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2023-12-29
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. (MS)

Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear XXXX, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. Upon reviewing my credit report, I noticed that you have added an address without my explicit consent, and my new auto loan is being reported without proper authorization. 

I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices. 

2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately. 

3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act.

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. 

I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.
Consumer complaint received 2023-12-29
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-01-02
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 am filing a formal complaint against TransUnion LLC regarding their failure to appropriately investigate a dispute I mailed on XX/XX/2023. In my initial dispute, I challenged personal information, XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), and a bankruptcy filing with reference number XXXX. 

TransUnion 's response, dated XX/XX/2023, alleged that they would not proceed with investigating my dispute as it appeared to originate from someone other than myself. This denial to investigate is a direct violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ). 

Attached to this complaint, please find a copy of the dispute letter I sent to TransUnion, along with their response, as supporting documentation.
Consumer complaint received 2023-08-28
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. (MO)

In response to them closing complaint ending in XXXX, experian says they don't understand, WELL READ THE LETTER FROM EXPERIAN OWN EMPLOYEES SAYING IT THERE FAULT
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written multiple letters disputing 2 collection accounts on my credit report and have asked them to send me validation, not just verification and they refuse to send me any proof of these accounts and these accounts that are in collections are also not sent me any validation proof, but they keep reporting to my credit report.
Consumer complaint received 2024-07-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (MD)

On XX/XX/year> I applied and was approved for a {$500.00} Money Lion Credit Builder Loan. The stipulations of the loan were that {$75.00} would be paid to me up front and the remaining {$420.00} would be placed in a reserve account. I would then pay 12 monthly installments. Once the 12 monthly installments were complete and the loan was paid in full, the {$420.00} in the reserve account would be then released to me. 

XXXX days after after getting the loan on XX/XX/year>, I paid the balance in full. I then went to the money lion app to see when the fund would be released and it stated XX/XX/year> that the funds would be released. 

On the XXXX of XXXX, no funds were released to me. Over the next XXXX weeks I reached out nearly daily to chat customer support as well as calling their customer support line. Every time I spoke with a representative, they all told me they were looking into it and would call me back. I never received a call back once and any email information that was sent to be had no answered provided, just that they were looking into it. It is now XX/XX/XXXX, and I still do not have my money. All representatives of the company will not provide me any sort of timeline or date of when the funds would be released. 

It has been 16 days since I paid the loan, and nothing... Please help me!
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello My name is XXXX XXXX XXXX XXXX. I'm not too sure where else to go with this, but for the past few years I have been trying to figure out and resolve an adverse action on my account, which from what I understand is showing on my transunion report, however, I have pulled my credit report dozens times and there is no direct information on it whatsoever. I've taken to talk with Transunion over the phone multiple times, once for a couple hours trying to look into and figure out what it is from or where it even came from to no avail, they either can't find anything on their end and/or do not return a call when they tell me they will do so and I start the process over again. 

The only odd thing on my report is that XXXX of the special messages on the report states INPUT CURRENT ADDRESS REPORTED MISUSED AND REQUIRES FURTHER INVESTIGATION, and I'm wondering if that is the reason because I can't find any other reason. I don't know what that would even be from as I have not once misused an/my address or anything of the sort. I tried calling and talking to Transunion about that as well, yet no one found any information regarding that nor removed it from the report when asked. I was advised to see if maybe you all can help me track this down so I can get information need to resolve it. I really hope you can help me because I'm not sure where else to go with it.
Consumer complaint received 2024-01-02
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. (TX)

I looked at my credit report on XX/XX/XXXX  and still noticed XXXX is Reporting Inaccurate Personal Information. I sent a letter on XXXX. I am telling them to update and delete my incorrect personal information.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-02
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: First Texas Auto Credit, Inc. (TX)

The question has not been answered provided statements for balance on the vehicle.And any agreement with XXXXXXXX XXXX and first Texas auto credit. XXXX XXXX. Stated in order to pick up vehicle was the amount of XXXX. There's miscommunication.we just want to be aware of the situation. y'all have failed to provide the information on the sale of the vehicle. The collateral was never owned by XXXX XXXX. First Texas auto credit union has there vehicle, - money.