davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (AL)

I did know that this company had sent false information to XXXX until today. XXXX XXXX. 
They told XXXX that I owed them 2 months of payments for a loan. This was not a loan it was a saving account to save money. They told XXXX I was behind 2 months on a loan. I have never borrowed any money from Kickoff lending, I purchased a book from them more than 2 years ago but this was paid off, never late not one time. I had very good credit with Kickoff and now they told XXXX I was 2 months behind on a loan I got from them. I had a saving account with them but they said I would be able to see the saving on their website but it was no where to be founded I then tried to contact them about the saving account but was unable to get any response from them about it. You can not call them only e-mail or by mail. I sent several e-mails to them over some weeks but no response from them so later some weeks ago I sent them a letter requesting them to close the saving account some weeks later because I was never able to see the amount in the saving account, They said I could see the saving account on their website but it was not there of which I received and e-mail stating they had closed the account and they would send me my money, so far I have not received it. It was a saving account not a loan but they told XXXX it was a loan which is not true. They said I was 60 days pass due on the loan but it was a saving account not a loan. They would have known I wanted to close the account if they had answered my many e-mails. They say it was a loan but it was a saving account. I was never able to contact them about the saving account. If they had answered my e-mails then they would have known I wanted to close the account because I was not able to see the money I had put into the savings. It was not on the website to view. They said it was on their website but it wasn't .there to view. Each time I tried to view the account it was not there. I tried to close the account by e-mails but I never got any response back from them so finally I sent them a letter requesting the account to be close so they finally close the account after about a month and said they would send me my money but they haven't sent it. I don't understand why it was not on their website to view when they said it would be there. I never saw it on their website. I search all over their website and it was not there. They told XXXX it was a loan but it was a saving account and that I was 60 days pass due. It took me more than 2 months to get in touch with them, That's when I sent the letter to close the account. They never answered my many e-mails. They told XXXX it was a loan but it was not a loan but was a saving account.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (AL)

On XX/XX/2021 a company checked my credit it is listed on my credit report as Miscellaneous. I tried fixing it with XXXX but to no avail. 

I have sent them letters concerning this but they seems to not do anything about it. I don't recognize this company, never heard of them before. Don't know why they checked my credit. I never received a call that they were checking my credit, and for what reason. I have sent XXXX letters about this but I never heard from them.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

SUBJECT : URGENT : Failure to Block Fraudulent Credit Reporting Following Identity Theft Notification Dear Consumer Financial Protection Bureau, I am writing to express my concern and to file a formal complaint regarding an ongoing issue with a consumer reporting agency. Despite my efforts to rectify the situation through proper channels, there has been a failure to act as required by law. 

On XX/XX/2024, I took the responsible step of notifying the appropriate agency via certified mail that I had fallen victim to identity theft. However, as of XX/XX/2024, the incorrect information stemming from this crime is still being reported. 

Under Section 605B of the FCRA, consumer reporting agencies are mandated to inform the furnishers of the information, which includes financial institutions, of the potential fraud identified in the reports. It is their duty to acknowledge that an identity theft report has been officially filed. I have supplied them with the necessary documentation, including FTC report numbers XXXX and XXXX, and have requested a block on the fraudulent information as per the guidelines. 

Furthermore, according to Section 623 ( a ) ( 6 ), once the furnishers receive notification along with all requisite documentation specifically, proof of my identity, a copy of the identity theft report, the identification of the fraudulent information by myself, and my declaration that this information does not pertain to any transactions I have made they are legally required to cease reporting this information within 4 business days.

Regrettably, this has not been the case. All the necessary steps were completed on my part, and supporting documents will be included with this complaint. The agency 's failure to block this fraudulent information within the stipulated timeframe constitutes a violation of FCRA 15 U.S. Code 1681c-2. This oversight is subject to penalties and makes the agency civilly liable for any damages I have sustained due to this noncompliance, as outlined in 15 U.S. Code 1681n. 

I trust that the CFPB will address this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NC)

Statue of limitation to collect debt has expired. Debt is over 7 yrs and according to NC Law the debt collectors only had 3 yrs to collect on the debt. The statute of limitations on debt in North Carolina is three years, according to N.C.G.S. 1-52 ( 1 ).
Consumer complaint received 2024-04-12
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. (CA)

On XX/XX/year>, XXXX XXXX closed my credit card account in the amount of {$570.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT ACCEPTANCE CORPORATION (CA)

They lied and said they did not know where the car is but repoe the car after I gave them XXXX rollers down payment credit acceptance corp and XXXX XXXX XXXX XXXX I got a letter 9 months after the fact they had the car then tried to impersonate me trying to have me pay XXXX for a car in the body shop that wasnt mine they said it did not go straight there the dealer said they were trying to make a quick Buck out of me when I brought up a lawer credit acceptance corp and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-12
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 2018-11-28
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. (IN)

I provided XXXX  and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. XXXX and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on XXXX less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX  has removed the item as they verified the documentation.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union has failed to generate accurate credit records and account information to provide me an accurate credit score and report. This failure by TransUnion has caused denial of credit and difficulties establishing lines of credit because of this problem
Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

Three different associates with invalid Company Names and Addresses contacted myself and both of my siblings about a debt from XXXX  on a Visa Signature Wells Fargo Card for a certain amount that was unpaid. They had 3 different addresses, likely found online, for me. I received dark web activity on my credit alert prior to these calls. With no credit listed on my account or collections listed from wells fargo. Last year a man also claimed to be calling to serve me documents and continued to call with a different accent over the course of a year, named XXXX XXXX from an address that did not exist in XXXX XXXX Ca. Most recently they have claimed to be calling from my county to threaten to pursue legal action. When I asked the the statute of limitations on the account in question she simply said they want to collect for wells fargo. I have advised to cease and disist, however it seems a new name and person is handed my number.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

With Bank of America prepaid it's my EDD it's {$13000.00} I'll get a police reports victim of identity theft as well as three different police reports I've never received the card until last month and they keep in denying my claim it's over 3 years old I'm owed the money
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (CA)

I got a letter in the mail today from Navy Federal Credit Union, which I've never heard of before, with a debit card associated with a savings and a checking account. I have not opened any such accounts. Apparently they did this all on their own without my knowledge or consent. 
I scanned the document with the debit card attached and have attached it to this complaint. I think all the information you need should be on that. I don't know anything more.
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: Experian Information Solutions Inc. (VA)

EXPERIAN INQUIRIES INCLUDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX DATE XX/XX/XXXX Below are all laws broken on my report. 

n accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My citizenship status was listed incorrectly. I do not have a 'secondary citizenship ' with the United States XXXX I am a permanent resident. I would like Capital One 's records to reflect this. I tried calling their customer service but was unable to reach a resolution.
Consumer complaint received 2023-08-08
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: LD Holdings Group, LLC (HI)

Timeline of Events : XX/XX/23 - Received a correspondence " Statement of Credit Denial, Termination or Change from LoanDepot.com, LLC. 
a ) Never applied for a loan. 
b ) Letter states XXXX is the credit reporting bureau. 

XX/XX/23 - Called LoanDepot.com, LLC to explain this letter. Spoke with XXXX who tried to verify my information. I stated you sent me the letter so my name should be sufficient. Per XXXX, " their records showed I called them to inquire and phone call was a minute long. Not sure why you received the letter because there was no application, but my credit report shouldn't be harmed. '' I requested for any type of credit report pull to be removed. 

a ) This denial shows no dollar amount for the request. 
b ) The contact number for LoanDepot.com is not a working number. 
c ) The address for LoanDepot.com is not a working address. 
d ) Want credit report inquiry removed. Shows XXXX as the servicer.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

On XX/XX/2022, First Citizens Bank put a charge of Reimbursement on my Account because I had a credit charge of {$25.00} on it for a long time. It's been almost 9 months, and I still haven't received that money in form of a check, or transfer to my another account already linked to First citizens bank. I have not received that Credit Reimbursement money in any form, and it's been a long time. Please help me get my {$25.00}. Thanks. I changed my address from what's in the attached document to the address I will enter on last page, but I haven't received the money in any of the house.
Consumer complaint received 2023-08-07
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: GOLDMAN SACHS BANK USA (MS)

There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp. (CA)

I have contacted XXXX XXXXXXXX and their debt collection company several times to rectify this issue. 

I paid this debt in XX/XX/2023 and closed the fraudulent account out. However, XXXX XXXX continues to report it on my credit report as a collection account with a balance. It has been 4 months and XXXX XXXX has not removed it from my credit report and reported it as paid.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have previously disputed these charges directly with the credit bureausEquifax, XXXX, and XXXX well as with your offices, supplying all necessary documentation to support my claims. These charges are not only fraudulent but have also been reported inaccurately. It is now almost a year since my initial dispute, and despite my efforts, there has been no satisfactory resolution. 

The failure of the XXXX credit bureaus and XXXX XXXX XXXX to conduct a thorough and complete investigation, and of the furnisher and your company to respond to my dispute inquiries, is not only frustrating but is e a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately.

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of money judgements without a valid court order money judgement. 

The account and associated fees reported are without merit and inaccurately reflect my financial transactions with XXXX XXXX located in XXXX Michigan and XXXX XXXX XXXXXXXX.