davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Auto loan opened on XX/XX/2018 in the amount of {$6600.00}. I was never contacted from the creditor or the 3rd party regarding debt validation or anything. This company is in violation of the federal debt collection practice. The account was sold to a 3rd party  without my permission and without my knowledge, which is perpetrating identity theft.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Blitt and Gaines, P.C. (IA)

On XX/XX/2023 I sent an email to XXXX disputing debts in letters from Blitt and Gaines dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying Blitt and Gaines was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from Blitt and Gaines in an attempt to verify the debts.
Consumer complaint received 2024-04-15
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately.it is saying had one late payment on an account that i in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my most recent credit report to this complaint on the following dates it was reporting late on XXXX XX/XX/2022, XXXX deleted the account from my credit profile do to the inaccurately reporting it was reporting late in XX/XX/2022, Equifax is reporting late in XXXX XXXX.I was in fact on time during XXXX XXXX  and XXXX XXXXThe consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments I've attached a copy of my report to this complaint and proof of the XXXX deletion.Im now requesting you investigate and provide verifiable proof with records showing that i had late payments.If this information connot be verified I demand this account be deleted from my credit profile as XXXX removed it or updated to paid on time immediately.Thank you for your understanding and prompt action.Account name : XXXX XXXX Account Number:XXXX
Consumer complaint received 2024-04-15
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. (GA)

In accordance with the Fair Credit Reporting Act Convergent Account names XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number 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, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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 2023-07-12
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: CITIBANK, N.A. (CA)

I have tried to contact THD/CBNA on many occasions and have went as far as to write a letter on behalf of myself. I have a an inquiry on my account that was not from my behalf and have requested more information and have yet to be provided with it. I did not inquire with Home Depot for a credit card. I am a victim of fraud as to why I have reported so on my account. I would like the following inquiry to be removed as I did not put in a request. I have an unknown female using my social security number to work and apply for cards. I would like to freeze my account to prevent unlawful activity.
Consumer complaint received 2023-04-25
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. (OH)

I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. So please DELETE the accounts listed below : XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

In XX/XX/XXXX someone placed an auto loan in my name through XXXX XXXX XXXXXXXX. I have no recollection of it when I found out about it I called them and they gave me a real hard time. I tried to explain to them that I live in XXXX  and they explain to me the vehicle was purchased in South Carolina from XX/XX/XXXX to present day they have yet to remove this off of my credit profile
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX, First premier bank and XXXXXXXX XXXX. I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-01-31
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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-17
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. (NC)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items 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 items 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
Consumer complaint received 2024-04-15
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. (IN)

I sent letters to the bureau requesting METHOD OF VALIDATION ( not verification ) concerning the bankruptcy listed on my credit report. The bureau did not respond to the first request, so I sent a second letter. The bureau sent me a notice saying it was verified with the original company ( repo. I did not request VERIFICATIONI requested METHOD OF VALIDATION. And the bureau is not telling the truth, because I have an official statement from the bankruptcy court that says they do not verify information with any credit reporting agencies. I have enclosed all documentation attesting to all of this. The bureau is in direct and willful violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX/XXXX/XXXX XXXX has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. XXXX also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
Equifax has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my first 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (FL)

I just recently looked at my credit report XX/XX/2024. I saw some I hard a close account witch was pay n full n promise by the XXXX XXXX  that it would be removed not have permissible purpose. I also attached evidence 1. [ XXXX XXXX  ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

By nature of the inquiry ( s ) listed on my profile, the inquiring company is stating ( under FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) ) that I initiated a transaction with them. I, the consumer, am stating that I did not initiate a transaction with the company named. So which of us is right? I would suggest that I would know best whether I initiated a transaction with the company named. Additionally I would like to bring your attention to the Consumer Finance Protection Bureau ( CFPB ) XX/XX/XXXX Advisory Opinion 12 CFR Part 1022. The advisory opinion stated that " A consumer reporting agency 's policies and procedures should also identify logical inconsistencies in consumer information ''. I would submit that if I did in fact initiate a transaction with this company, then where is the resulting tradeline on my credit file? Since there is no resulting tradeline, it supports my position that I DID NOT initiate a transaction with them. With this logic, I am petitioning that you discard the inquiry as it is FACIALLY FALSE DATA which you have a obligation to fix. 

This is my third attempt to remedy this situation. The following inquiries should be removed immediately. I have been asking for this to be corrected since my first letter on XX/XX/XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please also remove the OLD addresses on my file. My current address, which I have sent MANY times to you and proof that I live there is not working apparently. My address is only XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Please remove the addresses in XXXX, XXXX Mail is not deliverable there.
Consumer complaint received 2024-04-14
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. (IL)

I've contacted XXXX several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from XXXX. I am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with XXXX, Transunion and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX  via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX, Transunion or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider XXXX without any validation or verification that the bankruptcy information is accurate or up to date.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THIS COMPANY LETS NUMEROUS COMPANIES PULL MY CREDIT WITHOUT MY AUTHORATION I CALLEC AND ASKED FOR HELP AND WAS HUNG UP ON. PLEASE HOLD THIS COMPANY ACCOUNTABLE. 
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 PLEASE HOLD THIS COMPANY ACCOUNTABLE . THANKS
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

XXXX ( previous loan servicer ) has reported several late payments to my credit report on XXXX. I have requested that Aidvantage ( current servicer ) investigate the late payments and verify the accuracy of these accounts, but they have not completed a fair and complete investigation. The reason that I know this is because both XXXX and XXXX show that I have exceptional payment history ( please see attached XXXX report. XXXX file too large to attach ). I have requested that Aidvantage mail me a copy of my statements from the origination of the loan, until the most recent statement. I have not received these statements, and it has been over a month since the request was made.
Consumer complaint received 2024-04-14
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)

n accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 moreover 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 2017-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions XXXX  TransUnion XXXX To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX 7 ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX  10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX  XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately