davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (MS)

15 U.S.C 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 SECTION 602 A states I have the right to privacy XXXX XXXX XXXX  XXXX 15 U.S.C 1661 states that NO reporting agency can report a payment as late on an opened ended account for any purpose or reason. 
XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1692 C COMMUNICATION with the consumer without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ALSO DONT HAVE MATCHING INFO WITH THE OTHER BUREAUS AS WELL. SUCH AS -- DATE LAST ACTIVE -- DATE LAST REPORTED -- PAYMENT STATUS -- DATE OF LAST PAYMENT THESE ACCOUNTS MUST BE DELETED IMMEDIATELY!!! 
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Consumer complaint received 2023-03-31
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. (IL)

I disputed 2 bankruptices and the accounts associated with them several time over the last few months. However the credit agencies refuse to allow me to keep disputing and comes back verified everytime even though the 3rd party XXXX XXXX does not have this information on their reports which is whom im being told houses and verified this information
Consumer complaint received 2023-03-31
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: CLGF Holdco 1, LLC (TN)

On XX/XX/2023, a hard inquiry showed up on my XXXX report from " FEB/Destiny bank . '' Their phone # shown was XXXX, which is an invalid phone #. The number listed on the web is XXXX, but I can not reach a real person to address this fraud. I have NOT applied for any card or credit from this company. This company MUST immediately contact me and STOP this unauthorized credit application.!
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (IL)

Dear CFPB Dispute Department, I am writing to file an official complaint and dispute regarding the inaccurate and unauthorized information being reported on my credit reports from the XXXX major credit bureaus - Experian, XXXX, and XXXX. This erroneous information has caused me significant financial hardship and distress. 

I have been going through extremely troubling times, unable to receive financial assistance or qualify for housing due to false inquiries and negative items inaccurately listed on my credit reports without my knowledge or consent. These include inquiries from XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX - none of which I authorized. 

Despite repeatedly explaining my situation to the credit bureaus and disputing these errors, they have failed to permanently remove the inaccurate information from my file as required by law. This is preventing me from securing suitable housing accommodations for myself and my children, placing us in an extremely difficult living situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have protected consumer rights that appear to have been violated : 15 USC 1681e ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of credit report information. 

15 USC 1681i ( a ) requires credit bureaus to reinvestigate and correct any inaccurate information once disputed by the consumer. 

15 USC 1681s-2 ( a ) prohibits any person/entity from furnishing information to a credit bureau that they know or should know is inaccurate. 

The continued presence of these inaccurate inquiries and negative items on my credit reports, despite my exhaustive efforts to correct them, demonstrates a failure by the credit bureaus and furnishers to comply with the FCRA 's accuracy and reinvestigation requirements.
Consumer complaint received 2023-03-31
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. (AZ)

The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (AZ)

The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the high credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. There are also discrepancies in the date the account was last active ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, Equifax, LLC isn't reporting what type of account is. How can you report an account on my credit profile but fail to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Consumer complaint received 2023-07-03
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX  Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/ XXXX Date of inquiry : XX/XX/ XXXX Date of inquiry : XX/XX/ XXXX  Date of inquiry : XX/XX/XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/ 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.
Consumer complaint received 2023-03-31
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. (NC)

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
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. (NY)

I am writing to formally dispute inquiries that i did not authorize on my credit report. Upon reviewing my credit report i noticed several inquiries which i did not authorize. the following are : XXXXXXXX XXXX DATED : XX/XX/year> XXXX XXXX  DATED : XX/XX/year>
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (IA)

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 XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX, Account name :, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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. (OK)

There was a security breech and I lawfully have the right to have any negative marks or delinquent bills, charge offs, or other negative marks removed from my reports.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (FL)

I have multiple names on my credit report that are not my nor names I have ever used. As of XX/XX/2022 I have sent letters to the bureaus and they have not corrected these errors. It's been almost 40 days with no response. 
My name is XXXX XXXX Names that appear on my report are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of those people are me
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (TN)

Today XXXX I received a letter from Synchrony Bank stating that a credit application had been denied back on XX/XX/2022 and listed a XXXX XXXX that was incorrect to my credit score. 

I immediately called the company was transferred multiple times with no resolution. After asking for a manager several times I was passed off to XXXX and told they were the ones who provided the incorrect information and this was based on a review of my closed account with them. I told them this doesnt make sense because this letter is stating that I was denied for a credit card I did receive and that was closed due to inactivity. I also asked once I contact XXXX XXXX they advise of my correct score and it does not match listed score who do I contact then. Representative hugged and did not answer my question and requested I contact XXXX XXXX I did contact XXXX and they did confirm the reflected XXXX score was not correct on their end and they would not have reported that. 

I called Synchrony Bank back and told them this information and was basically told they could not help me and I would have to submit written confirmation and now they could not see this letter. 

Claim XXXX  with XXXX is XXXX Synchrony Bank Did not provide a reference number to any of my calls just that I spoke with XXXX Rep Number XXXX
Consumer complaint received 2023-03-31
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. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

XXXX $ XXXXTotal Claim Amount Merchant : UNITED XXXX Status : Dispute completed. Credit is permanent. 
Submitted XXXX Close XXXX XXXX $ XXXXTotal Claim Amount Merchant : UNITED XXXX Status : Dispute completed. Details will be sent to you. 
Submitted XXXX Close XXXX XXXX $ XXXXTotal Claim Amount Merchant : XXXX Status : Dispute completed XXXX Details will be sent to you. 
Submitted Date:XXXX Close DateXXXX USAA has charged my account again after they initially refunded my dispute see below. Today, I tried submitting the dispute below. I clicked submit several ( XXXX ) times and it would not go through on USAA website XXXX 
Dispute Type Balance was paid or settled in full Dispute Reason Settlement was accepted on this account Additional Details Today I uploaded documentation of company cancelling transaction. XX/XX/2023 Adjustment to Account Financial - {$1100.00} XX/XX/2023 Adjustment - Purchases Financial - {$130.00} XX/XX/2023 Interest on Purchases Finance Charge - {$140.00}.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2022-12-21
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.
Consumer complaint received 2018-04-12
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: BARCLAYS BANK DELAWARE (SC)

I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are Brclysbankde, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from XXXX XXXX
Consumer complaint received 2017-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My complaint pertains to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, which resulted in the temporary closure of my IRRA account for an unintended period of time, along with missed opportunity for trading during the same time frame. On XX/XX/XXXX, I authorized a {$41000.00} disbursement from my IRRA to serve as a form of down payment for a home my wife and I purchased. I was advised by the assisting representative as long as the funds were deposited back in my IRRA within 60 days, there would be no tax implications. This is the first round of inaccurate information provided to me, since the same representative did not mention I would receive a XXXX from the disbursement. Multiple conversations occurred between the first call inquiry I made through the actual disbursement, and while I was reminded each time of the 60 day period to deposit the funds with no tax implications, I was never told the transaction would result in the receipt of a XXXX. Secondly, I was not told my IRRA was technically closed as a result of the amount of the disbursement ( more on this aspect later ). The {$41000.00} were deposited back into my IRRA on XX/XX/XXXX. The representative who called me to perform the transaction did not advise that my account was still technically closed, and did not communicate any next steps to reopen it. It was my understanding the account was active, and I left that call believing I had fulfilled the necessary steps to have the account resume trading. Basically, after the funds were redeposited, the call concluded without any mention the IRRA was still inactive, and that more action was required. I phoned Bank of America XXXX XXXX in late XX/XX/XXXX, some time during the week of the XX/XX/XXXX, to inquire as to why my IRRA account balance had not shown any activity. It was on that phone call I discovered more steps were needed to reopen my IRRA, which I proceeded to take action on in the days that followed. I also raised concerns about having received the XXXX form. I was told I would receive a tax form from Bank of America XXXX XXXX around XX/XX/XXXX, which would be needed when finalizing my yearly income tax filing. I phoned in around XX/XX/XXXX to follow up on the receipt of this tax document, and learned the document I was supposed to receive would not be sent until XX/XX/XXXX, not XX/XX/XXXX. This is yet another instance of inaccurate information that was supplied on prior calls. Because I was under the impression I would receive this tax document in XX/XX/XXXX, after the XX/XX/XXXX tax filing deadline, I submitted an extension for my XX/XX/XXXX tax filing, which was something I could have avoided had I been given accurate information the first time.