davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

I keep having the same problem with Onemain Financial someone is using my information and pulling my credit which is a hard inquiry on my credit report. I have contacted them concerning the issue and I also filed a fraud to the credit bureau this is still on my credit report someone trying to get a loan from my information. I was advised to put a freeze on all three credit bureaus which I have done today. But this inquiry is still on my credit report.
Consumer complaint received 2023-11-02
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have reached out to the credit bureaus and I have explained to them nemerous of times that I am a victim of identity thief. I supposed to have a fraud protection on my account but still someone is still tryng to use my information and has gotten credit cards and revolving credit in my name. XXXX, Equifax, and XXXX is reporting a account name XXXX XXXX that I never opened for the date of XXXX XXXX. I never opened XXXX account XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I never opened a XXXX XXXX XXXX XXXX. I never opened a XXXX XXXX account XXXX XXXX. I aslo did not authorized these inquires : XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. My personal info for XXXX, Equifax and XXXX are reported wrong such as address and employment info.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have sent several letters asking for the removal of inaccurate information including personal information that is reported on my credit reports. I have in return, received letters stating that they can not verify my identity. I have sent in a copy of my id information.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-12-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I was given a american express gift card and it basically works no where. 
I was declined 2x on line from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a restauarant. 

i will specfially tell my boss never to purchase these again. It states where ever american express is accepted but its a lie.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. They have removed one after agreeing to remove both its been3 months Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided I demand these payment be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (UT)

On XX/XX/XXXX  I received notice from my bank via text that someone was trying to change the password to access my account. I logged into my account to see that funds had been moved from my credit card ( linked to my checking account ). I contacted my bank who guided me to change my passwords to my accounts and to visit XXXX XXXX to have my device scanned for any malware. All actions were complete. 

On Monday, XX/XX/XXXX three withdrawals had been made from my checking account with the transaction title being : " AUTOMATIC WITHDRAWL, XXXX XXXX XXXX XXXX ( XXXX ) '' the charges were : {$1000.00}, {$1000.00}, & {$510.00}. 

That day I went to my bank. It was discovered to be fraudulent charges. I closed that account and opened a new one. The charges were reversed by my Credit Union. 

Three letters Received Dated XX/XX/2023 from TRS recovery services ( sm ). 
Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Letter XXXX : Reference Number XXXX for a balance of {$510.00} Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Phone calls received XX/XX/XXXX & XX/XX/XXXX seeking collection. 

I notified my Credit Union of these notifications seeking guidance. They told me not to engage with the collection agency, TRS, and to report this as fraud.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX & Experian has different information regarding this charge off. This account was closed twice once in XX/XX/XXXX and XX/XX/XXXX according to Experian. XXXX only has record of it being closed once. I'm not sure if they both have the same charge off date but Experian reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, there are 3 fraud transfer made on my account XXXX XXXX XXXX XXXX XX/XX/2023 {$2000.00} XXXX Claim denined by bank of america ( XX/XX/2023 claim denied ) XXXX XXXX XXXX XXXX XX/XX/2023 {$6500.00} XXXX Claim denined by bank of america ( XX/XX/2023 claim denied ) This one resolved XXXX XXXX XXXX XXXX XX/XX/2023 {$4300.00} XXXX Resolved - Credit Permanent Please help me get my money back Police complaint XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  will still not update the credit reports. 
I am doing a transfer and the new lender can't get the correct info off the website for XXXX  or other as they won't update paid off accounts,. 

XXXX XXXX, XXXX XXXX and XXXX online.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

Equifax is violating FCRA laws and my right to privacy. I was checking my credit repor and found there where two accounts listed that were not mine and when asked by these companys to validate this debt showing the original contract that I had with this companies. 

1. XXXX XXXX XXXX opened XX/XX/XXXX  in the Amount of {$3700.00} 2. XXXX XXXX open XXXX XXXX  in the amount of in the amount of {$450.00} Please have this company delete these accounts from my credit file as they are not my accounts and I do not have a contract with neither of these companies XXXX XXXX
Consumer complaint received 2024-01-05
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. (MD)

About XXXX months ago I reviewed a copy of all ( 3 ) of my credit reports ( EQUIFAX, XXXX, and XXXX ) where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on a few accounts from XX/XX/2022 to XX/XX/2022, but to my knowledge this is incorrect or an error not of my own doing. I have spoken to the creditors via mail and simply just asked for the accounts to be updated to PAID/PAID AS AGREED, NEVER LATE if the proper evidence can not be provided. I have been getting either no response or unsatisfactory responses with quick " investigations '' that provide know documentation. I been submitting complaints to the CFPB. This misleading data is causing a great harm to not only my credit score, but my employment is in jeopardy as I'm required to maintain exceptional credit as a government employee with a Top Secret Clearance. 

After recently seeking legal counsel regarding consumer laws, I was made aware that these inaccuracies are a violation of the Fair Credit Billing Act ( FCBA ), 15 US Code 1666-1666j " the creditor must provide the consumer with PROOF that they were indeed late but they HAVE NOT. It also fails to comply with 15 U.S. Code 1681 " to report fair and accurate information ''. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not proven certifiable fully true, correct, complete, timely of known ownership and responsibility to the consumer. I DEMAND evidence of the investigation beyond a computer automation that simply states " Investigation is Closed '' Please provided the documentation steps required by law indicated which individuals and measures that were taking to prove the Creditor 's claims. 

I beg of you, a quick search of my credit prior to XX/XX/2022 will show my credit worthiness and consistency of on time payments and fulfillments for over 2 decades. Please eradicate any and all derogatory aspects of reporting and at the MININUM I simply request to rectify as PAID/PAID AS AGREED, NEVER LATE on the below listed accounts. These bureaus are violating multiple FCRA, FCBA laws and it is very detrimental to my credit score and putting my employment in jeopardy. I'm a first responder for the US Government and I'm sick as how errors and lack of due diligence by a creditor can easily and dramatically affect someone's financial livelihood. The companies are listed as followed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In Closing, I simply asked to update the listed accounts as PAID/PAID AS AGREED, NEVER LATE or provide the required documentation under the law that a proper investigation was conducted that proves otherwise to not include a automated electronic response as " Verified As Accurate and Updated ''
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Reached out to company before repossession during first 6 months to let them know that the vehicle was a " lemon '', it had a constant oil shortage in which the dealership suggested I drive there weekly from another city to receive more oil. I called to let credit acceptance know that I didn't want the vehicle due to the issues less than 6 months having the vehicle. 
Before any issues all payments were on time even after having to pay out of pocket I started receiving recall papers in the mail regarding the vehicle however by that time the engine had already went out, I reached out again to the finance company regarding these issues and not being able to pay I reached out to the company again during covid because I was having financial difficulties as was the rest of the world, however they still wanted payments and refused my offer to return the vehicle once again Couldn't work during covid and couldn't pay to fix an engine that I had already received recall about
Consumer complaint received 2024-04-22
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, XXXX Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. I have included duplicate copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the account information.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted Transunion on XX/XX/XXXX to dispute a report of an open account with missed payments to XXXX. They are reporting XX/XX/XXXX and that the account remains open. The information is inaccurate. the account was late in XXXX and paid in full and closed in XXXX. I contacted XXXX and they verified the account is closed and paid. Transunion in the dispute resolution states their information is accurate when it is not. XXXX and XXXX are reporting correctly - Transunion is not.
Consumer complaint received 2023-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (WI)

Company reached out to me the for the first time on XX/XX/2023. They said that the debt was listed on XX/XX/2023. There was never any letter received and looking in the account history, it shows there was never any statements. This was a blatant drop on their end as we are now over 100 days until first contact with not proper way to verify this debt as mine. There is legal obligation to make contact within 30 days. It should never take 105 days.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (TX)

I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : | XXXX XXXX XXXX | Bank Credit Cards | XX/XX/XXXX | Experian | XXXX XXXX | Bank Credit Cards | XX/XX/XXXX | Experian | XXXX XXXX | Used Car Dealers | XX/XX/XXXX | Experian | XXXX XXXX XXXX | Used Car Dealers | XX/XX/XXXX | Experian | XXXX XXXX | Used Car Dealers | XX/XX/XXXX | Experian | XXXX XXXXXXXX | Automotive Financing Companies | XX/XX/XXXX | Experian | XXXX XXXX XXXX  | Automotive Financing Companies | XX/XX/XXXX | Experian | XXXX XXXX XXXX XXXX | Automotive Financing Companies XXXX XX/XX/XXXX | Experian | XXXX XXXX XXXX XXXX | Automotive Financing Companies | XX/XX/XXXX |Experian | XXXX XXXXXXXX | Bank Credit Cards | XX/XX/XXXX | Experian | XXXX XXXXXXXX XXXX | Bank Credit Cards | XX/XX/XXXX XXXX Experian
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

hello, I have recently became aware that a debit card I had canceled, and Citizens Bank reassured me it was canceled, Is still receiving charges. I have the new card that should be the only active card on the account/ card that appears on my account. in my hand. I have proof of the old card number, where the charges occurred. this is violating and I do not trust Citizens Bank anymore
Consumer complaint received 2023-09-26
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. (FL)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them.

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