davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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. (SC)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-04-20
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (AZ)

It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on my credit report.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MO)

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (GA)

In XXXX of XXXX, I cosigned on an auto loan through XXXX XXXX XXXX XXXX. I was told that, all on time payments would be reported to XXXX, Experian and XXXX, and would appear on my credit report and the business credit report that was FALSE. XXXX XXXX XXXX XXXX has failed to report my current auto loan payment history as required and promised. I sent XXXX a letter on XX/XX/2023, in reference to this matter. XXXX failed to respond. 
On XX/XX/2023, I called XXXX customer service spoke with XXXX, explained that my monthly auto payments weren't being reported. XXXX stated he would file a dispute on my behalf, and someone would follow up. 
On XX/XX/2023, I received a call from XXXX account supervisor, XXXX XXXX. XXXX stated he was following up with the dispute filed by XXXX on my behalf about my payments not being reported. XXXX then stated, XXXX XXXX XXXX XXXX never furnish consumers personal or business auto loan payment history to the credit bureaus. 
On XX/XX/2023, I sent a certified letter to XXXX asking them to report my payment history to XXXX, XXXX, and Experian. 
On XX/XX/2023, XXXX sent me a letter stating, " FOR YOUR INFORMATION XXXX DOES NOT REPORT CREDIT INFORMATION ON BUSINESS ENTITIES TO THE CREDIT BUREAUS. WE ARE THUS UNABLE TO FULFILL YOUR REQUEST.
Consumer complaint received 2023-04-04
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. (IL)

I am requesting again in regard 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, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-09-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AmeriCollect (TX)

On XX/XX/2023 while checking my consumer report i noticed stated company furnished the account. On XX/XX/2023 we sent a affidavit of truth, notice of removal and cease and desist. I have attached all correspondence in this complaint. This company is violating 15 usc 1681g resulting in fraud and identity theft. While using extortion means to collect a debt that is not owed which is a crime. This company has failed to provide me that it acted with lawfully authority when they obtained and shared my information to consumer reporting agencies. They have also violated a host of consumer laws in which I have attached on the complaint as well. I have also attached a invoice. Pursuant to 15 usc 1692k for failure to comply with the provisions of these supchapter laws. I do not have any dealings with this company and they are causing me mental and financial stress. We've asked this information be removed and invoices be paid and if they do not cease communication a lawsuit will be commenced against them.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block inquiries that not authorized. It appears that my credit with you has been compromised, these inquiries being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : XXXX XXXX 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 2023-09-01
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. (CA)

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00}
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, I am writing to dispute the late payments that have been reported on my credit report in relation to my account with your company. Upon reviewing my credit report, I noticed that there are XXXX late payments that are being inaccurately reported. I believe this could be a misunderstanding or error as I have always been diligent in making timely payments, as my payment history will reflect. 

I kindly request a thorough investigation into this matter to rectify the incorrectly reported information. As per the FCRA, I have the right to dispute inaccurate information on my credit report and that is what I am exercising. 

Please provide me a detailed explanation of the late payments and please provide any supporting documentation or evidence to validate the accuracy of this reported information. If it is determined that the late payments in this dispute were, in fact, reported in error, I request that you update my credit report to reflect these payments are in good standing immediately so that I may have an updated, and correctly reported, credit report as per law. 

Additionally, I request that you provide me with a written confirmation of the resolution once the investigation is completed.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (FL)

This issue happened on XX/XX/XXXX I deposited a payroll check via mobile deposit, the bank released {$300.00} ; the next day, Saturday I called the bank to check the status on releasing the remaining funds due to the holiday and I was told that the funds wouldnt be released that day but on Sunday a portion would be and on XX/XX/XXXX the remaining balance. Later on the night I received an email approx XXXX XXXX saying that I received a message and I needed to respond immediately ; I logged in just to find out that my account had been restricted. I talked to I believe every person in the department ; Once I realized what was happening I immediately explained that I had gone to a different institution and their hold time was two weeks out and I explained to CITI BANK, I was advised that they needed to speak to the payroll department to verify the issuer. After so many attempts I then finally get some one from out accounting team who could help ; the next representative I spoke to was able to connect to XXXX from our accounting to team to verify the information- once she got back to the line with me she asked was the number connected to a business I said Im sorry she asked again was it connected to a business I was like I gave you what I was provided and then I asked were you able to get the information? She then said yes and I told her that I was going to place her on hold so that I can contact the person.I reached her and merge the calls and let her know that the rep from the bank asked was the phone number connected to a bank and she placed us on a long hold with the music playing eventually I disconnected the call ( prior to her placing me on hold she advised that they couldnt release the funds ) basically insinuating that I was lying and there was fraudulent activity, at the point I felt racially profiled against and this isnt the first time that this bank has treated me differently I know for a fact because the last incident I had my XXXX  friend to call back and ask the same question and she was given information to whereas I was informed that they no longer participated in that banking product. Any way I feel humiliated not only because of that but because I received an emailed stating that I violated the bank policy and that is inaccurate as they violated me and my rights as a XXXX XXXX.
Consumer complaint received 2023-08-11
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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. (GA)

Companies reported hard inquiries to my credit report illegally XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.
Consumer complaint received 2023-09-25
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. (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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MO)

Subject : Illegal Freezing of Assets? 
Body : My issue is with Ally Bank. I recently changed my phone number. Once I had changed my number, I updated that information with Ally Bank accordingly. Unfortunately, this triggered a freeze on my account. When I try to access my account, I am locked out and receive error messages such as " We've locked your account. '' I've been on several phone calls now, yet none of them were able to unlock the account. As it stands currently, my assets are frozen and I'm not convinced that this freezing of my assets is legal.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (CA)

I see collection accounts showing up on my report from a collection agency reporting an original creditor that I never had an account with. I believe that they are try to collect from me for an account i had XXXX XXXX ago that has falling off my credit report, and using another creditor name to collect a debt. This is a violation and fraud.
Consumer complaint received 2024-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

First Due date payment was XX/XX/XXXX. 
I made the payment via over the phone with a rep & i made a second payment that same day on the Kohls Credit card website. Payment 1 was {$35.00} and Payment 2 was {$30.00} I also made a 3rd payment on XX/XX/XXXX for {$58.00}. 
7 days later ( XX/XX/XXXX ) these payments are shown as " reversed '' on the Kohls Credit Card website. 

I was notified via text in XXXX, from Kohls that I had a payment past due, I called and was told they would reverse the late fee and took a payment over the phone with the rep ( this is now the XXXX payment made ) The payment was approved/accepted and moved on. 

7 days later ( XX/XX/XXXX ), the XXXX payment shows as reversed on the kohls credit card website. 

I received another text about my payment being past due. 

I called and asked why these reversals were happening. 
The rep was very unhelpful in that regard. He said i had to have entered the wrong information in. He was more focused on getting a payment. I told him I would not be doing a payment over the phone again and that i would do it in person at the actual store with my debit card. I told him I would pay it in full. Then asked to have the late removed and he said he would only do that if I made the payment that day. Which is exactly what i did. 
I paid the full amount that day. I was told over the phone i would NOT get a ding on my credit report over this. Kohls has not provided me any of the account information i entered supposedly wrong. All I have been told is that they would do an investigation and let me know within 30 days. I have tried calling NUMEROUS times to speak to supervisors, to get an explanation why these payments kept reversing. 

I get hung up on, or talked over, one time i called, and i was told i had to speak to the fraud department and they wanted to confirm that I made the purchases only my card. Then she unlocked my card. Which i had no clue was even locked to begin with. I told her that's not even why I called, and she acted like she no clue what i was even talking about in regard to my issue. 

She transferred me to the collections department, and I sat on hold for 15+ minutes before being hung up on. 

So here i am, with no answers still. Kohls has been treating this whole ordeal extremely poorly. 

Also, not once when i made any of these payments did i get notified that they were denied.
Consumer complaint received 2024-04-23
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. (FL)

The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.
Consumer complaint received 2024-01-24
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)

Notification for the 5th time today experian says another dispute is ready to view, LIE LIE LIE LIE LIE LIE LIE LIE LIE