davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 168
1a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

1. " You are in VIOLATION of FDCPA. You can not charge me more than 20 of the orignal dept owed. Yet this collection agency CHARGED ME more than 30. This is ILLEGAL and a CLEAR VIOLATION '' XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and XXXX XXXX for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXXXXXXXXXXXXXX**** This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. I have not supplied proof under the doctrine of estoppel by silence XXXX vs. XXXX ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

4. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 



Sincerely yours, XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did a complaint with cfpb on XX/XX/ and have yet to receive a response that would settle the situation within 30 days required by law. The complaint was ( I am really concern because Transunion is saying they verified information on my report with the furnisher of information. Something is not right, according to fcra they are to get information from the furnisher and that didnt happen because I contact the furnisher about my concerns of the incorrect information and ask why they are reporting the information and they said they were not. They said if there is a problem the reporting agency must file action to answer my dispute and they said I will know this is happening because I will be contacted saying my information is being accessed. I dont know how Transunion XXXXs verifying the information, but I know it is not properly investigated according to fcra rules which I have attached the rules in question to this complaint, also I have attached the report showing that the courts verified, which is conflicting with the letter I received from court ) I am still awaiting for a explanation and response by mail.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

1st, recently they edited a payment history on my credit report to show XX/XX/ as 30 days late, when previously it showed XXXX XXXX  as current. They did this to fit in with the lies being told. Due to covid my family was super sick and had a 2nd repossession. They are claiming it was 120 days late on the 2nd repossession, but it was not. They said after 120 days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract. It took 1-1/2 years for me to finally be told this information. They have ruined my credit due to grossly reporting in accurate info. I have paid on time for 1-1/2 years, but they wont report 1 single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a XXXX, and also closed account on my other credit report when Ive been paying on time for going on 2 years. This is a gross misinterpretation of the truth. It is destroying my families life! Recently they went in and edited the XX/XX/ payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was 120 days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX. They are editing information to help continue the shady business practices. They are destroying my life! My score dropped XXXX points after the reason edit. Please help me. The XXXX  is involved now also, and have been communicating to XXXX XXXX. They have the legal terms down to a science and know exactly how to word everything. Im going to sue the XXXX, XXXX and everyone involved for defamation. This is a lie!!! Im paying on time every month but all it shows is XXXX How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a divorced mother of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely.
Consumer complaint received 2024-04-08
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. (OH)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 
XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX {$37000.00} XXXX  XXXX {$1900.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX {$730.00} XXXX XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX {$200.00} XXXX XXXX XXXX {$8400.00} XXXX XXXX {$4000.00} XXXX XXXX {$130.00}
Consumer complaint received 2023-10-24
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. (MN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-04-08
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. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-24
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. (NV)

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 XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX  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 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CO)

JUSTICE OF THE PEACE COURT OF THE STATE OF DELAWARE IN AND FOR NEW XXXX XXXX COURT NO. XXXX COURT ADDRESS : CIVIL ACTION NO : XXXX Equifax and XXXX XXXX to remove a debt collection of XXXX + even when I deputed this. 
Here is my court number and court where the judge found me not guilty nor liable for the debt that these XXXX credit bureaus refuse to take off. 
I want to sue them both for XXXX for the false report on my credit.
Consumer complaint received 2023-07-20
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. 

You seem not to understand how serious this is because you have not fixed the issue for me. 
Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 


1st account : XXXX XXXX reported late XXXX ( Please note that the date of this late payment also has inaccurate dates. my XXXX says it was a late payment in the month of XX/XX/2023 & my XXXXEquifax says it was reported late in the month of XX/XX/2023? 

2nd account : XXXX XXXX XXXX- REPORTED LATE XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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)

I am writing to formally attest that I am a victim of commercial trafficking in persons, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a survivor of trafficking.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OK)

I opened a business checking account with Chase to be able to manage my freelance money since I was starting a new project with a non-profit organization. 
I deposited a check for $ XXXX on XXXX XXXX at a Chase branch. I was told it would take up to a week for the check to clear. 

I tried to log into my Chase account via the app a few days later to access my account number to set up transferring services ( XXXX XXXX ), and it said it was locked. I called and finally was told that my account would be locked due to suspicious check. They asked for a phone number to verify the check writer. I shared multiple phone numbers of the non-profit organization but none of them were 'verifiable '. I am at a loss as to what to do because the non profit does not have a business phone number and I've tried the phone numbers of those involved. I am also still unable to access my online account and any information such as the account number. 

I'm not sure why they need to verify the check writer 's phone number- I told them they could call and talk to the organization or the organizations bank- but they aren't willing to do that. My money is now being held and I need to pay my contractors and supplies for the exhibit.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (NY)

I have been in arrears on my mortgage for the past three years. Every time that I sent in a partial payment to catch up, it was returned to me with a letter stating that they wanted the entire amount. This happened multiple times. 
In XXXX of this year, I decided to try and sell the home to pay them off. I found a buyer and the house was set to close in XXXX of this year. The closing was then rescheduled to XXXX. 
On Tuesday, XX/XX/XXXX of this year, XXXX XXXX XXXX, the attorney for Rocket Mortgage sent an email to my attorney requesting that I make one months payment. The email was forwarded to me, and I purchased a money order in the amount of {$560.00} and mailed it to the address he provided. 
On Friday, XX/XX/XXXX, the payment was mailed back to me stating that they wanted the full amount. 
The closing date was then rescheduled to XXXX, but we did not close because the buyer did not have funding in place. 
On XX/XX/2023, I received a billing statement from Rocket Mortgage in the amount of {$15000.00}. The payment was due by XX/XX/2023. 
The closing was then rescheduled for Friday, XX/XX/XXXX at XXXX XXXX. A few hours before closing I received an email from the Buyers attorney stating that she did not have all the funding in place, but they still wanted to proceed. We did not close that date. 
On Monday, XX/XX/2023, I withdrew {$16000.00} from my savings account and purchased a certified check in the amount of {$16000.00} payable to Rocket Mortgage. I mailed the check priority mail through XXXX. Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the check was scheduled to be delivered on Wednesday, XX/XX/XXXX, records show it was delivered on Thursday, XX/XX/XXXX at XXXXXXXX XXXX 
On XX/XX/2023, I received a billing statement from Rocket Mortgage in the amount of {$16000.00}. 
On Friday I checked my Rocket Mortgage Online Account to see if the payment had been posted and it had not. On Monday, XX/XX/XXXX, I called Rocket Mortgage and spoke to XXXX. He verified that the payment was received on Friday, XX/XX/XXXX, and that it had not been applied to my account. On Tuesday, XX/XX/XXXX, I called Rocket Mortgage and spoke with XXXX. She too verified the payment was received but stated that she could not apply the money to my account. 
I am filing this complaint because Rocket Mortgage has been requesting payments this entire time and now that they have received it, they refuse to apply it to my account or return it. They are pursuing foreclosure instead. How is it legal to bill someone and then keep the money after theyve paid without applying it to their account? This is theft. 
I would like the back payment applied to my account or returned to me immediately.
Consumer complaint received 2023-10-24
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. ive checked my credit an noticed all information listed is reported illegally an fraudulent reporting that is hurting my credit file. this issue needs to be reviewed an corrected to help my credit file get clear. please review an remove the listed items asap to help clear my file asap.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to severla times while in XXXX I feel as a result I am requesting the Mazda removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud