davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (OH)

To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. NATIONAL CREDIT SYSTEMS # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. NATIONAL CREDIT SYSTEMS. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Results Unlimited, Inc. (VA)

The main concern is that this collector accepts debit cards but charges a surcharge when they do. My paid-in-full amount was {$690.00} and I was charged {$720.00} ( just over 4 % ). I had to go to their office to even get a receipt as they refused to provide one when paid over the phone.

Additionally, a dispute letter was mailed to the collector they failed to validate my debt within the 30 days required by law.
Consumer complaint received 2022-12-29
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: WELLS FARGO & COMPANY (CA)

I was removed off as an authorized user on a credit card from Wells fargo on XX/XX/XXXX. 

XXXX XXXX the credit card was removed off my XXXX bureau. 

XX/XX/XXXX it was placed back on my XXXX  bureau XX/XX/XXXX I filed a dispute with XXXX. 

XX/XX/XXXX Wells Fargo responds states its accurate reporting. 

XX/XX/XXXX XXXX I contact and speak with XXXX who states I was removed off as an authorized user on XX/XX/XXXX. He filed a complaint escalation form. 

XX/XX/XXXX XXXX Spoke with XXXX who verified complaint form was filed but not received to the specific department. Gave me claim number Case number XXXX XX/XX/XXXX XXXX XXXX states that it can 1-2 business days to get someone to help. And 10 business days to resolve the dispute. 

XX/XX/XXXX XXXX XXXX states not assigned and can take 10 business days to just look at report. 

XX/XX/XXXX XXXX XXXX states that it can take 10 business days to get a letter and they have no answer or date to when or if the account thats reporting incorrectly on my XXXX  bureau will be removed. 

XX/XX/XXXX I disputed the account on XXXX  again and still waiting on results. 

Its been over 30 days and not one person will remove this erroneous account from my credit. Its reporting incorrectly and affecting my score. Its causing harm to me.
Consumer complaint received 2017-11-24
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: CREDIT ACCEPTANCE CORPORATION (MI)

Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. XXXX XXXX listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
Consumer complaint received 2022-12-29
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. (NC)

I submitted a letter with an FTC report included to Transunion and XXXX on XX/XX/18 regarding a few hard inquiries that were not authorized by me. Neither credit bureau has resolved the issue so I would like for you guys to help me out.
Consumer complaint received 2022-12-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Is Reporting a Fraudulent account i have reported this account for over XXXX year and TRANSUNION continuous to side corporate scam, abuse of power, in conspiracy with big corporation and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX XXXX XXXX XXXX XXXXXXXX {$5200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Why the XXXX is it taking you weeks to remove the fraud alert/freeze you have on my account?! 

REMOVE THE FRAUD FREEZE/ALERT FROM MY CREDIT FILE. Why am I constantly repeating the same thing in these reports for over a month, over a year, over 3 years? REMOVE THE FRAUD ALERT FROM MY ACCOUNT YOU ARE EFFECTING MY CREDIT IN REAL LIFE WHEN MY SCORE IS OVER XXXX. 

I AM TIRED OF SUBMITTING THE SAME XXXX REPORT EVERY WEEK I AM DISGUSTED YOU HAD THE AUDACITY TO KICK ME OUT OF MY ACCOUNT AFTER BEING REPORTED TO CFPB. I HAVE ONLY HAD A FREE ACCOUNT & WILL NOT BE PAYING FOR AN UPGRADE I DID NOT ASK FOR & WASNT NOTIFIED OF. ITS GIVING THEFT, you still have to do your XXXX job SUBSCRIPTION or not ; and I am documenting this for a class action lawsuit.
Consumer complaint received 2024-11-19
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. (WA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : -Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX -Date of Charge-off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 


Thank you for your attention to this matter.
Consumer complaint received 2020-05-11
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: EQUIFAX, INC. (OH)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2023-06-05
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. (NV)

I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX XXXX  XXXX, Inquiry Date : XXXX  ( The inquiry was not authorized ) 2. XXXX XXXX XXXX , Inquiry Date : XXXX  ( The inquiry was not authorized ) 3. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) 4. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) 5. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) TU XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX ( The inquiry was not authorized )
Consumer complaint received 2023-06-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy. 
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.
Consumer complaint received 2021-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-25
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX 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 2022-12-29
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. (GA)

XXXX ACCUSED ME OF USING A 3RD PARTY TO WORK ON MY CREDIT REPORT. ANYONE THAT KNOWS ANYTHING ABOUT CREDIT REPORTING AGENCIES KNOWS THAT IN THE STATE OF GEORGIA THEY ARE ILLEGAL THUS NO CREDIT REPAIR COMPANY WILL TOUCH ANYONE LIVING IN GEORGIA. I CONSIDER THIS A DELAY TACTIC BY THE CREDITOR AS AN EXCUSE FOR NOT VALIDATING THE DEBT, PROVIDING ME WITH THE 1099C, OR NOT REMOVING THIS ACCOUNT WITHIN THE GUIDELINES OF THE LAW. I HAVE INCLUDED THE DISPUTE LETTER I USED WHICH REQUIRED ME TO HANDWRITE MY DATE OF BIRTH, SOCIAL SECURITY NUMBER, AND SIGN THE LETTER. ALONG WITH A BILL WITH MY ADDRESS AND A COPY OF MY DRIVERS LIC. KEEP IN MIND THAT THE SIGNATURE ON MY DRIVERS LIC MATCHES THE SIGNATURE ON THE LETTER.
Consumer complaint received 2023-05-31
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. (TX)

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, 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 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, 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 2022-12-29
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. (FL)

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 XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- XXXX XXXX XXXX # 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 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 2022-12-29
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. (GA)

The accounts reporting on my file are fraud. I've sent in my etc report. They we're supposed to block and remove the accounts within 5 business days. they haven't done so. As of " 15 U.s. Code 1618c-2 '', they are violating the law and my rights.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

Two years ago on my USAA account not only was my checking account I had theough them fraudlantly used but so was my credit card. There was suddenly a {$5000.00} payment from an unknown source to my account which they USAA originally credited to my account. When I questioned it and what was going on it suddenly became my responsibility as they couldnt figure it out or give me a straight answer about it. My account was closed by USAA and I was not informed therefore had no way of paying anything on my account. Finally paid off the balance minus the XXXX and kindly told them I was not paying what was not my responsibility and what I did not agree to. It has been going on for two years and now they have flagged my account as not paid for over thirty days. I have no account through them anymore and no way to pay either as I have no access to my mobile banking which is a direct pay. They closed it off to where I could no longer pay. Then they are charging fees to the balance of which is not mine. I will not be paying and do not appreciate this going against my credit as it is not my fault and they have not solved the issue for over two years. I will not pay any extra fees either. I have discussed this with them and they have done nothing but say the same old story that they cant figure it out so its my responsibility. When they are the ones that allowed it to happen to my account. Its fraud on their part.
Consumer complaint received 2022-12-29
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. (CT)

hello I recent went looking to purchase a vehicle and told the dealerships that I would be getting financed through my credit union so I needed a bill of sale for that purpose. They asked for my information and proceeded to tell me that the have banks that would compete with my credit union for the financing. I declined next thing I know I check my credit report and there were 33 inquiries on my report. This is fraud I did not tell them to run my credit and I wasn't even at the dealership wen these inquiries were taken place.I went 2 3 dealerships and they all did the same thing. this has to be illegal. They should not be able to do this. I called the dealerships and complained and was told that they were trying to get me a better interest rate. I told them I was no longer interested in the vehicle and I gave them all bad reviews online and also filed a report and had to lock my credit report.