davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called over XXXX weeks ago to let Capitol One Auto know that I am out on medical leave XXXX, and I filed socials security XXXX. Was given option of a XXXX mos pay half of what the normal monthly bill is. I had stipulations- one was to make a partial payment that day and other was to wait for paperwork to be e-mailed to be for this and sign and return. I did make the payment, called 3 times asking for when e-mail was being sent afterwards. Was told to " give it few days each time I called in. XX/XX/22 I called and was told something completely different. And that they " could no longer do this ''. I was not informed by e-mail, mail, phone call nothing. I want them to do what they said they would do. I am super sick of Capitol One Auto having me speaking with people overseas call center XXXX who clearly do not understand and give out wrong information, so they took a payment and never sent me the paperwork to sign and return and are trying to go back on that offer now. So, I fulfilled my part and even followed up 3 times asking where the contract was at as I never got it via e-mail. These companies need to be help up to standards here.
Consumer complaint received 2023-09-06
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. (TX)

I am requesting the removal of account XXXX XXXX XXXX  from my credit report. Please see the attached XXXX  release form as well as the cfpb response from XXXX stating that the account will be removed. Please note that all XXXX bureaus are in violation of the FCRA because all data furnished is not accurate. All XXXX bureaus report different agencies. I submitted a dispute time and time again about the inaccurate information on my credit report. This has caused me much stress and many lost opportunities due to your negligence and violation of the consumer protection laws. Remove the aforementioned account immediately from my credit report.
Consumer complaint received 2024-04-01
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. (NC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint against Experian regarding inaccurate information on my credit report. Despite my previous communication with Experian on XX/XX/XXXX, they have failed to respond or address the following incorrect information : XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} ) - This account does not belong to me, and I request its immediate removal from my credit report. 

XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} ) - I have no association with this account, and I request its prompt removal from my credit report. 

XXXX XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} ) - I am not responsible for this account, and I request its expeditious removal from my credit report.
Consumer complaint received 2023-09-06
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TN)

I was shocked when I reviewed my credit report and found third party collection which definitely an identity theft and late payments from XXXX while everything was OK on Equifax on my US DEPT ED and XXXX.
Consumer complaint received 2023-10-04
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. (NE)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-06
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. (MD)

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 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 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (GA)

U.S. Bank sent a credit card to collections, under my name and information but I do not recognize the account or any associated charges. This account is fraudulent and needs to be closed and removed from my credit files and consumer reports. 

Below is information sent to me after I attempted to dispute the information. 

Supposedly : Original Creditor : U.S. Bank, N.A. 
Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$540.00} I am completely unaware of how and why this information is on my consumer report and credit reports, when the account was reported fraudulent years ago. This is ruining my credit score and preventing me from various opportunities to grow my personal business and provide for my family.
Consumer complaint received 2021-03-23
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: ALLY FINANCIAL INC. (TX)

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX  by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

A loan through XXXXXXXX XXXX was paid off on XX/XX/2023. I sent in a bank statement to all three credit bureaus showing the balance was paid off {$1900.00} on XX/XX/2023 but when the dispute is returned to me it keeps stating nothing has changed and that I still owe the entire balance. and was verified by the lender which I find ridiculous. I am working with a mortgage lender trying to raise my credit score. but this is impending my progress. I need this resolved asap.
Consumer complaint received 2023-06-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX ( Account name- XXXX XXXX XXXX XXXX XXXX Account # XXXX ), ( Account name- XXXX XXXX XXXX XXXX XXXX Account # XXXX ), ( Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX ) ( Account name- XXXX  XXXX XXXX, Account 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
Consumer complaint received 2023-04-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my FOURTH time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to XXXX, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2023-06-21
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. (KS)

I sent my letters out on XX/XX/2023 ( certified ). I told the credit bureaus to investigate every piece of information on the accounts I have listed below. I have attached the letters I sent and the tracking numbers. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is aquatinted or may have knowledge concerning any such items of information. 

They stated that they are unable to verify if the letters were being sent by me. However letters were sent certified. Every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA USC 1681 Everything must be 100 % accurate. 

Tracking numbers : XXXX, XXXX Accounts : XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-09
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. (WI)

For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX with XXXX XX/XX/2023 XXXX-XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Andreu, Palma & Andreu, PL (FL)

I recently reviewed my credit report and noticed that there was a charged off XXXX XXXX XXXX ( credit card ) on all three credit bureaus reporting inaccurate information. I reached out to the original creditor about the account, the original creditor ( XXXX ) told me that they can not give me any information on the account because they no longer have the account. The owners of the account is XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX XXXX, FL XXXX when I looked on my credit reports XXXX XXXX XXXX XXXX is not listed as the collection agency nor collection attorney that has the account. the address on my the credit reports is showing XXXX XXXX XXXX XXXX XXXX, TX XXXX ( which is a XXXX  XXXX XXXX ) address. phone number is XXXX. I am totally confused as to why XXXX XXXX XXXX XXXX is not being reporting on my credit reports but a XXXX XXXX XXXX XXXX XXXX TX is being reported. why is XXXX, XXXX, XXXX not reporting accurate information? why is Andreu Palma & Palma not revealing themselves as the furnishers of the account if the original creditor said that they have it? Not only that, Andreu Palma & Palma has summons me to court XX/XX/XXXX for a lawsuit. I am asking them if you say I owe this debt please provide me with the original contract with my name listed along with other things. I sent them a certified mail asking this company to validate this debt. I am so confused and I really feel like Andreu Palma & Palma is misrepresenting and being misleading. I would hate to think that they are breaking Statue 15 US code 1692 e3, e7. this is the reason for the complaint today. please help me. they are reporting invalidated, inaccurate information to all three credit reports that is hurting my credit score at this very moment. None of this is making any sense and I am afraid that they are trying to take advantage of me.
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I did not request a credit card from Bank of America. 
I called their XXXX XXXX XXXX  they referred me to you. 
Their number is XXXX. 

I never requested credit from them.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-21
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. (AZ)

Hello, I recently reported a fraud alert for accounts that were opened fraudulently. My police report was updated as other accounts were found. 
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX. XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-06-21
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. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2023-04-26
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}