davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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: EQUIFAX, INC. (LA)

According to federal law, specifically, Title 15 of the United States Code, it is a requirement that this information be removed from my reports. Reporting this information appears to be a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and if these accounts are not removed and personal information is not updated within 30 days, you will be liable for 30 days.

Per 15 U.S. Code 1666b, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

By the provisions of the FCRA, I am demanding the removal of these accounts and that if you fail to remove these remarks and accounts you respond with federal and constitutional measures that allow you to violate the privacy of my Estate, named XXXX XXXX XXXX XXXX. 

Please remove all information as you will not be able to verify since I did not supply you with written consent to report these accounts. Failure to remove the following also subjects you to liability
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (TN)

Upgrade discriminated against me due to my " Credit Profile '', I spoke with multiple members of their team explaining " I am the original consumer and am aware of my rights, reporting to consumer reporting agencies is voluntary. This private transaction is unfavorable to me as a consumer, nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. As an original creditor it's unlawful to be denied my right to be granted credit, my credit was used and I received no benefit from the use of my credit. '' Their response over the phone was that it was XXXX who denied me my to be granted credit and I need to speak with XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-07-13
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. (NC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-17
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)

On XX/XX/XXXXXXXX  the XXXX  major credit bureau received my Identity Theft notice sent for the following hard inquiries reporting on my report as on XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX of the major credit bureaus blocked and deleted the inquiries as required pursuant FCRA 605B. However, Equifax denied my request despite the applicable laws. I called Equifax XX/XX/XXXX in regards to why my Identity Theft notice was rejected and why the inquires were not blocked within 4 days which is required by law, despite having included my Identity Theft Report, the specific name and date of inquiries resulted from Identity Theft, proof of my identity, and a summary of FCRA 605B enclosed with my correspondence. After speaking with the supervisor and receiving no valid explanation as to why my notice was rejected, I was disconnected from the call XXXX I included the XXXX call audio, along with all written correspondence and supporting documents in the attachments.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-04-17
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. (NJ)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Vehicle was purchased then totaled due to a XXXX XXXX months later, XXXX coverage was added at time of purchase. The dealership was responsible for sending the XXXX payment to XXXX and did not. I followed up many times with the dealership. The last time I followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/24. Because the dealership did not mail the XXXX refund check in a timely manner ( it took XXXX  months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been severely damaged because of this.
Consumer complaint received 2024-04-17
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-05-12
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX around XXXX XXXXXXXX XXXX  two unauthorizes wires transferred were made on my XXXX  checking account in the amount of {$9400.00} and {$9100.00} to a NAVY FEDERAL CREDIT UNION. The bank file a claim on my behalf but was unable to retrieve the funds.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I reached out to Equifax via the dispute portal to file a complaint on information provided on a car loan account on 2019. The load was provided by XXXX XXXX XXXX on XX/XX/2019. 

I provided Equifax copies of the loan agreement, included in this complaint, as well as copies of payments confirmation, also included in this complaint, that proof their information is not accurate. However, they continue to report the wrong information. This has hurt my credit profile by lowering my credit score which, in turn, cause me to get higher interest rates on my loan.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

Re : Cease and Desist Demand Under 15 U.S.C. 1681b ( b ) ( 2 ) To Whom It May Concern, I am writing to formally demand that Jackson Capital System immediately cease and desist from accessing or using my consumer report without proper authorization, as required under Section 1681b ( b ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( b ) ( 2 ). 
It has come to my attention that your company has obtained and/or used my consumer report without my explicit consent and without a permissible purpose as defined under the FCRA. Specifically, I am concerned about the following issues : Unauthorized Access : Your company has accessed my consumer report without obtaining my written authorization, which is a violation of 15 U.S.C. 1681b ( b ) ( 2 ). 
Lack of Permissible Purpose : The purpose for which my consumer report was accessed does not align with the permissible purposes set forth by the FCRA. According to the FCRA, a consumer report may only be obtained for specific purposes, including but not limited to evaluating creditworthiness, employment purposes, or other legally defined scenarios. 
To resolve this matter, I require that you : Cease and Desist : Immediately stop any further access to or use of my consumer report. 
Correct Records : Remove any records of unauthorized access and use of my consumer report from your system. 
Confirmation : Provide written confirmation within [ number ] days from the date of this letter that you have complied with these demands and that my consumer report has not been accessed or used without my consent.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws.The severity of not taking my situation seriously has resulted in financial harm, defamation of character, and a 60-day silence.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

I had a call that was from an individual portraying to be an us bank representative. The number that they were calling from was similar to us banks number. Just 2 numbers were reversed. They know everything about my account and told a XXXX transaction had been attempted on my bank account. I immediately opened my us bank app to look at my account. This person said they were remotely going to log in to my account to help me. Which us bank has done for me before. While I was looking at my account info I was receiving text messages that said it was from us bank. Meanwhile the man remotely hacked my phone and was making a transaction payment on XXXX  app. It happened very fast. And before I new it he hung up and my phone refreshed the page and XXXX dollars were withdrawn and sent thru the app XXXX. I immediately call us bank and reported the incident. I also went to the local branch, they contacted the fraud department too. The fraud department recommended I close all my accounts since they may have been compromised. So I closed all my accounts. I also filed a police report. It really concerns me that us bank promotes XXXX on there mobile app and supplies a direct link to there site.
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC (MI)

I have not supplied proof under the doctrine of estoppel by silence englehardt v. Gardens 281 sw 715-719. I presume that no proof of the alleged debit, nor therefore any such debit exist
Consumer complaint received 2024-04-17
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. (AR)

I am writing to express my disappointment regarding the ongoing issue with the late opening of my account, despite many attempts to rectify the situation. 

I initiated the process of opening an account with your company. However, due to unforeseen circumstances or errors on your end, the account opening process has been significantly delayed. 

This repeated failure to address the issue in a timely and effective manner is not only unacceptable but also reflects poorly on the level of service and professionalism of your company. 

An expedited resolution to open my account without further delay. 
A detailed explanation for the repeated failures in addressing this issue and the steps being taken to prevent such occurrences in the future. 
Compensation for any inconvenience, financial losses, or missed opportunities resulting from the delayed opening of my account. 
I expect a prompt response to this complaint, acknowledging receipt and outlining the concrete steps that will be taken to address the issue. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$400.00}.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please see attchments. This complaint is about how equifax investigated my accounts I wrote equifax on XXXX 2024 asking for the method they used to verify this account : XXXX XXXX XXXX XXXX XXXX I received an automated response which i will attach that addressed none of my questions. I sent another letter onXX/XX/2024 for accounts XXXX XXXX XXXX XXXX XXXX  XXXX and they failed to provide me with any verification documents yet they are still reporting these accounts further more they failed to notate I disputed these accounts which is a requirement by the FCRA and therefore a violation. Please see my attachments for my full dispute and proof that even after the investigation the account is still reporting inaccurately.
Consumer complaint received 2024-08-13
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: CITIBANK, N.A. (NC)

I disputed a charge in the amount of {$160.00} transaction date XX/XX/year>. I received one letter from them saying they was investigating my claim and are working to resolve it as quickly as possible. Then I get another letting from them saying they completed the investigation and they credited the {$160.00} back to my acct. 

Now they are putting the charge back on my account again. I have sent them a copy of the letter they mailed to me saying they completed the investigation and credited my account. They are trying to come up now and say the company provided them with docs about the cancellation policy. This should have been provided to them before they closed the investigation on this dispute. Since they have already said they investigated and had put the credit on my account and it was ruled in my favor they should not be able to put this back on my account
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Old debt, duplicate debt and the same comments continue to reappear on all 3 of my credit reports over the years. 

specifically the remark ( excessive delinquent payments ). This remark is very XXXX and untrue.I am requesting that this remark and other negative remarks that have been on my reports for 20 years be deleted from all of my credit reports immediately. 

Thank you
Consumer complaint received 2023-07-08
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. (NY)

Hello My name is XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX Ny XXXX. I am a mother of XXXX and I am currently trying to purchase a home for me and my children. After looking at my report I see there are items being displayed on my report that Ive tried to fix. I see that there are damages on my report. According to 15 U.S. c 1681 law there should not be any damages on my report it is a defamation of my character.Please kindly remove these items from my report. 
XXXX
Consumer complaint received 2023-09-03
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)

I XXXXXXXX XXXX have notice some unauthorized increase appearing on my credit reports. 


I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXin Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Identity Theft has occurred and the credit reporting agencies are reporting indebtedness that is not mine and further noting addresses there are someone elses. I need these removed immediately as they impacting my credit and causing me emotional distress and financial hardship. I can not find work and have other issues which are are stemming as a result of this incident.
Consumer complaint received 2024-10-21
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 am a survivor of XXXX XXXX. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX. Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related there to ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ).