davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

**Re : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report.

1. **Description of the Problem : ** On XX/XX/2023, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities.

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/2023 and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes.

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.
Consumer complaint received 2023-12-17
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)

n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

TRANSUNION INQUIRIES : 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 2024-04-15
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. (MS)

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that i did not authorize. 
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
Consumer complaint received 2023-12-17
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)

Under 15 USC 1666B, the account XXXX XXXX XXXX, is considered a billing error. Please update this account to always paid as agreed, never late. XXXX and XXXX do not report this erroneous error. The company could not validate any late payments in XXXX and XX/XX/2021. This account is to be updated within 15 days. Please see the attached copy of my credit report.
Consumer complaint received 2023-12-17
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)

XXXX please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. You are also furnishing information to only Transunion which is also a violation. The balance being reported does not match any of the documentation I have for this account. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable. Not only is this account closed, but you are also reporting a balance trying to collect when it says that this account was sold. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Consumer complaint received 2024-05-25
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. (MA)

Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report. According to the report there is a late payment recorded for account : XXXX Acct # XXXX Dates : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 I request that you update my record for dates mentioned to ok or payed as agreed for the following reasons : 15 U.S. Code 1681sXXXX responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information. 
XXXX. Prohibition a ) reporting information with actual knowledge of errors. 

15 USC 1681a 2 ( A ) ( i ) -exclusions- except as provided ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the payment. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My name is XXXX XXXX XXXX and I am a resident of XXXX XXXX XXXX XXXX. I am filing this complaint because I had two accounts with Bank of America ; one was a personal account and the other was a Business Account. Both of these accounts got shut down in XXXX XXXX XXXX without me being given any information or notice of the closings. I have reached out to the Bank on multiple occasions and was always given different reasonings as to why this happened. One of the reasons I was told was that it was Fraud, but was not given any further details of the incident, but I did confirm the fraud was NOT committed by me. I have been trying to fix this issue for over a year and nobody from the Bank of America corporation has been of any assistance to me. There was also money that was kept and never returned to me from my Business account. This issue has caused me to not be able to open any other accounts at different banks as I have tried multiple times. It is extremely difficult and such an inconvenience to my life as I have to pay bills, kids, work etc. I need whatever hold is on my information lifted and to be able to have a bank account. As a consumer money is insured by the Federal Deposit Insurance Corporation and is supposed to be returned to me! I also should be able to have a functioning bank account. I need further assistance with this matter and soon!
Consumer complaint received 2023-09-03
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the victim of identity theft. My ATM/Debit card was stolen and was used for an unauthorized XXXX XXXX Emergency Transfer transaction on Friday XX/XX/2022, for {$1800.00}. and XX/XX/2022 for {$990.00}. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use or request a XXXX XXXX Emergency Transfer in any way. One claim was approved the other was not. I have requested what information was used to approve the claim in the amount of {$9600.00} I have been told there is no information.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

**Re : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report. 

1. **Description of the Problem : ** On XX/XX/, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities. 

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/XXXX  and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.
Consumer complaint received 2023-04-19
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. (NY)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud : XXXX XX/XX/2022 and XXXX XX/XX/2022. Please delete.
Consumer complaint received 2024-05-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I entered into a lease agreement for a vehicle from XXXX XXXX XXXX in XXXX XXXXXXXX, believing it was a standard retail unit. Later, I discovered it was actually a wholesale unit, which was never disclosed to me at the time of purchase. Just a few months into the lease, the entire engine failed, indicating the vehicle was not in the reliable condition I was led to believe. The car 's current value is only {$2000.00}, which is exactly what I put down initially, and yet I'm paying $ 343 monthly for a car that doesn't seem like it will last much longer. This has severely limited my ability to travel outside my hometown, affecting my daily life. The dealership has also failed to inform the leasing company of these issues, which feels like a deliberate omission on their part. I am currently in mediation with the Indiana state attorney general 's office over this matter, seeking to resolve what feels like a fraudulent contract. I need assistance in addressing this situation and would appreciate any guidance on how to proceed with the CFPB to have this matter investigated and resolved.
Consumer complaint received 2023-04-26
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. (AR)

I called the 3 Credit Bureaus after I purchase a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a name, accounts, and Inquiries on my credit report which are misleading to me. I already sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These following accounts needs to correct right away :
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I was informed that my account was being close due to " unexpected activity ''. Ive been a loyal customer for 14 years for personal use and business for that 7 years. My spending behavior has not changed and all my expenses are there in my statement. I have a credit union that can transfer large amount off money to external bank so i would pull out money from the credit union to place into my chase account to pay off my business card.
Consumer complaint received 2024-05-12
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 (NY)

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2023-12-17
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)

Recently I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that XXXX XXXX XXXXXXXX didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. I really hope we do not have to take this to court. The following account is in question XXXX XXXX
Consumer complaint received 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC (MD)

I have been attempting to remove the PMI on my property for 6 months now. My property does not meet the qualifying pay-off amount, however ; the value has increased by more than enough, and I am attempting to initiate a valuation to prove that. 

The first time I requested the document, it as right before the holidays, and I didn't see it until it was too late to mail the proper documents and payment. That was my mistake. 

Since then, I have requested it 4 times. Each time I received an e-mail confirmation that the document was sent to my online document center. When I checked the documents, a new document was not there, or I was sent an expired document. Most recently, I reached out to customer support about this after not receiving anything for multiple weeks after my request and e-mail confirmation. They claimed they would resubmit the request for me, but they did not. They actually just sent the document from my previous request ( XX/XX/2024 ), which was not available before, hence why I reached out to customer service. I received the e-mail confirmation for this on XXXX, which is the exact day that document expires. I still do not have any document related to the XX/XX/2024 e-mail notification. 

XXXX also seemed uneducated on the process, or blatantly lying to end the conversation. See attached conversation for details. 

I do not know if their is an internal issue that is sending notifications, but not presenting the documents, or if this is an intentional effort to discourage PMI removal in the current housing market, but either way it is very inconvenient and ethically bankrupt. 

Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-31
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: Exeter Finance, LLC. (FL)

To Whom May Concern, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate. I am requesting that the inaccurate items be removed from the report immediately. 

This letter is formal request to delete the inquiries listed below from my credit report. 
To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. 

XXXXPlease delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WA)

I have a collection on my account from a fraudulent XXXX XXXX XXXX account. Someone ordered phones and racked up XXXX dollars in my name. XXXX XXXX XXXX would not listen to me even though it was obvious i never used the account. I have tried getting deleted but have not had success but i am not paying for a fraudulent account. Please help me to get this removed from my credit report.