davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
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. (GA)

The reason I am submitting this complaint is because I contacted XXXX approximately around XX/XX/2023 for the second time and demanded the following experiences be excluded from my consumer report because they violate my consumer rights based on the FCRA. - XXXX XXXX and XXXX XXXX XXXX. The following codes below support my request to have the items above excluded from my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action,
Consumer complaint received 2021-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NE)

Today XX/XX/2021 A collections account from Fair Collections and Outsourcing Inc was added to my XXXX  credit report. This account is not mine and the fact that they just added an account to my credit report in itself is very alarming. I have no Knowledge of this account, I never received any letters or ledgers detailing that there is a debt owed from Fair collections and Outsourcing or the original creditor XXXX XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file 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
Consumer complaint received 2022-12-09
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. (OH)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-07
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. (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. 

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 an 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 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo opened a personal loan answer credit card in my name without authorization. This been going on since XXXX XXXX, all these case numbers and XXXX numbers. I was supposed to be refunded {$6200.00} for unauthorized payments out of my checking account XXXX XXXX XXXX... I have received {$500.00} refunded but not the rest. I can't believe this situation in the times we are all in 2023. Wells Fargo made a huge mistake
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I reached out to Equifax through mail with proof of my identity to correct the spelling of my name on my credit report on XX/XX/2023. I then followed up with a call on XX/XX/2023 to verify my information. Upon speaking to an agent I was told it has been updated and all middle initials were removed. I explained I have been receiving correspondence mail of my report addressed to an individual with the same name but a different middle initial than mine. I was assured it was fixed. I received my updated dispute/credit report in the mail on XX/XX/2023 dated XX/XX/2023 only to find that again it was addressed in the name I proved to not have been mine along with the statement " The results of our reinvestigation, your name is currently reporting correctly on your Equifax credit file. '' I have sent in a copy of a bill and drivers license to prove my identity and this bureau has been negligent against my personal information causing credit hardship, emotional distress due to lack of properly investigating, updating and documenting my credit report as requested violating my rights as a consumer.
Consumer complaint received 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NE)

They have reported a debt to my credit report that is not mine. The company was also harassing me and I told them the debt was not mine. They said they were investigating and I never heard back. In the meantime, this debt that is not mine is harming my credit and repenting me from purchasing a house. 

Debt is for {$XXXX} per my credit report
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

I made purchases from 2 different merchants and 1 merchant product was faulty so he refunded me. Then I also made purchases from another merchant but she refused to refund me. I paid for online ebooks from these 2 merchants and the books were not good. The female didn't refund me but chime went into the man account twice and accidentally stole from him to compensate for the lady not giving me my cash, I told them that I made 2 purchase each from each of these merchants, they told me that they gave me all of my cash but they didn't. I want my 2nd refund from the lady that chime lied and said that they gave back but they didn't
Consumer complaint received 2023-10-07
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: EQUIFAX, INC. (TX)

My identity was hacked through my computer and it now has a virus. loans were taking out in my name. the loan company are hassling me even though I did not do this. It is hurtful for someone to steal your identity and you get accused of the problems at hand. 
XXXX : Loan for XXXX XXXX  : Loan for XXXX XXXX XXXX XXXX : Loan for XXXX Credit bureaus refuse to take off of credit report. 
Inquiries remain also. 
Please remove all from credit report
Consumer complaint received 2023-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto Sales sold my loan to a debt collector, my account was current and in good standing. I also paid for gap through this company and never received and money back when the company dissolved. Westlake financial the added refinance fees and false loan remaining balance information. I have no sign agreement or contract with Westlake and was not even made aware the company was closed and my loan was sold until 3 months after the dissolution of USAuto so they took payments knowing they were no longer in business and did not apply said payments.
Consumer complaint received 2023-10-07
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: Experian Information Solutions Inc. (TX)

My identity was hacked through my computer and it now has a virus. loans were taking out in my name. the loan company are hassling me even though I did not do this. It is hurtful for someone to steal your identity and you get accused of the problems at hand. 
XXXX : Loan for XXXX XXXX : Loan for XXXX XXXX XXXX XXXX  : Loan for XXXX Credit bureaus refuse to take off of credit report. 
Inquiries remain also. 
Please remove all from credit report
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My loan was paid off in XX/XX/2023. I have late payments on my credit report stating that I did not make payments for XXXX or XXXX when the loan was already paid off. Which is impacting my credit score with XXXX, XXXX and XXXX.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do 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 2023-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX To Whom It May Concern : Portfolio Recovery Associates XXXX LLC/XXXX  XXXX XXXX XXXX XXXX, XXXX, VA XXXX Remove/or verify account I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Heritage Financial Group, Inc. (MN)

There are XXXX late payments on this account the account has since been paid in full and closed in good standing. The dates to those payments are, XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2023-10-07
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. (IL)

These are inquiries i found on my credit report without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

XX/XX/2015 the XXXX of XXXX NM cleared the deed, after the City received a letter claiming the lender can not and will not foreclose on the property. The City sold the property in a municipality sale to an auction buyer and issued a quit claim deed transferring ownership from the City to the auction buyer who recorded ownership. The auction buyer sold the property to me XX/XX/2015 by quit claim deed transferring the ownership from the auction buyer to me, which I recorded XX/XX/2015. 
A party claiming to be Bank of America as successor in interest, reopened the City case and entered Bank of America. Bank of America denies having any record of ownership and issued an email stating the loan is " not Bank of America ''. Bank of America refuses to release the recorded ownership stating they have no record of the loan. The party claiming to be legal counsel hired by Bank of America has pursued a writ of assistance and is having me forcibly removed from the property.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I try to apply for a credit card with capital one they keep showing a message stating that they can't approve me. The last time I knew they sold a debt that has nothing to do with them anymore. If I am denied I will file a suit in small claims court for discrimination. 
In addition, XXXX XXXX waived the alleged debt.
Consumer complaint received 2023-10-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Remove/or verify I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXX, I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. Your agency signed for a documents on XXXXXXXX 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency. 

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm. 

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n. 

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter. 

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report. 

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.