davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (MD)

Account Name : XXXX XXXX XXXX XXXX OF XXXX XXXX Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end as late for any purpose.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2024-03-26
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. (MI)

There is fraudulent activity on my credit report that should not be on my report. I've sent a letter to the credit bureaus on or about XX/XX/2024, certified mail, and they have not removed the items. The actions that were taken by me that was communicated were as follows by request : " Please remit copies of the original and signed documents that you have in your file as of this date, XX/XX/2024. According to the CFPB 15 USC 1681 ( b ) and Under the Fair Credit Reporting Act, 15 USC 1681 ( g ), I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of the entry concerning the accounts that you are reporting in my credit report. '' Addresses that are unmailable, telephone numbers that are non-reachable are to be removed. ALL negative and charged off items that have turned into income can not be reported on my credit report ; according to 1681 ( g ) original documents need to be validated to prove that it's an accurate file. If not proven with original documents, that violates my privacy according to the Privacy Act and all accounts are to be removed.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to demand the removal of inaccurate account reporting to my Consumer Report. Tropical Financial Credit Union is reporting an account that is a violation of the law. I do not give consent, written instruction, permissible purpose, authority to disclose my private or financial information. The consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal this obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This account has been paid, yet reporting derogatory in violation of the FCRA which assures maximum due diligence into reporting.

This violation of my rights to privacy is very serious and does come with legal implications for all parties involved. I am giving in good faith opportunity to cure. Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA. This is also a violation of the criminal and tax code.

Rather than risk liability for the hundreds of thousands of dollars in fines, fees, and penalties for these violations on the creditor, data furnisher, reporting agencies. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue.

Have a blessed day.
Consumer complaint received 2021-01-18
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 Plus Inc (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent XXXX XXXX transactions to my wife from my Bank of America business account to her phone number registered at Bank of America personal account ( also in my name ). I sent a test transmission of {$1.00} to confirm the process was done. I subsequently sent 3 transactions and : the funds left my corp account and was never recieved by the personal account. I called Bank of America and they told me that it takes 10 business days to resolve. I waited until the XXXX day and the they are now telling me : The process can take XXXX business days, and the " claim '' can be denied. The supervisor / manager in the dept told me today, if it is denied, my only recourse is to get an attorney and sue them and XXXX. I really don't find this as a satisfactory answer for what all appears to be a glitch in their system. 

CLAIM NUMBER WITH BANK OF AMERICA IS : XXXX
Consumer complaint received 2023-02-11
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. (CA)

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-18
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. (NY)

I originally reached out to XXXX XXXX on XX/XX/XXXX, to try and rectify this situation and unfortunately I have been unsuccessful. I happened to run my credit report in the beginning of XX/XX/XXXX and noticed that XXXX XXXX reported to the credit bureau that I was late for the month of XX/XX/XXXX. But this information is totally incorrect! I purchased a piece of jewelry on XX/XX/XXXX and I returned it ten days later on XX/XX/XXXX. As you will see in the statements from XXXX XXXX, even though I returned the jewelry there was still a balance on my account for {$0.00} on the XX/XX/XXXX statement, which I can't seem to understand why. The item was returned and it should have brought my balance to XXXX. That {$0.00} over five months turned into {$27.00} and forced XXXX XXXX to report a late payment to the credit bureau for the month of XX/XX/XXXX. Please be advised that I called XXXX XXXX and they were unable to provide me with a statement for XX/XX/XXXX. They stated that they don't generate statements when the account has a XXXX balance. But as you will see in the documentation they went ahead and XXXX out my account somewhere between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is being very unfair. This situation is cut and dry and shouldn't even be an issue.
Consumer complaint received 2017-08-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (TX)

Santander bank u.s.a bank used a settlement check I got from an insurance company to pay for damages and used it to pay off the remaining car loan. Its been a month since my car has been payed off and they still do not want to release my title or the money left over after paying off my loan. They closed my account which makes it very difficult to get in contact with them via phone. I chatted with a customer service person named XXXX and gave me false information. He said my title was sent electronically to my dmv because that was the law. I called my local dmv and they told me that the title is suppose to be sent to my address. They are sitting on car title and money that belongs to me and have no rush in giving me my property.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
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. (MA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX- is reporting the wrong name on my report, I have sent out several certified letters ( for them to investigate and mail me back findings. I not received any response nor have they removed this information. They are reporting a name that is not mine and I have never had account open in this name. They also reporting unauthorized inquiries on my report which i asked to investigate but they referred me to dispute with CFPB. I also want an investigate on collection and mail back findings. 

Equifax- keeps reporting a medical debt in collection that I asked to be investigated and is under {$500.00} which from my understand medical debt can not be reported under {$500.00}. Investigate investigate all unauthorized inquiries and investigate collection and mail back findings. 

XXXX investigate all unauthorized inquiries and nvestigate on collection and mail back findings.
Consumer complaint received 2023-09-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I opened a saving account # XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX CA Branch after I saw its ads of 4.5 % saving interest rate. I was told that as long as I use new money to fund the account, I will get 4.5 % interest rate for 1 year. I transferred $ XXXX from my XXXX  XXXX XXXX Performance Savings account with around 4.3 % interest rate to Bank of America saving account on XXXX, XXXX, 2023. 
To my surprise, I only got close to 0 % interest {$6.00} in XXXX, XXXX. According to my conversation with BOA associate - XXXX today. my account is in the process to be reviewed after 30 days of open date to determine if my account will be qualified to earn promotional rate 4.5 % as promised when I opened the saving account. There is nothing they can do to fix the problem.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Company has reported  XXXX  separate charge- offs, instead of the single falied charge off t hat occured. Compan  y has failed to delete tradelinre in its entirety upon sale to collection agency, in violation of double and multiple jeopardy provisions of applicble law, including the FCRA and other state and federal law. Reporting has obstructed payment of this and other accounts.
Consumer complaint received 2022-10-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was affected by this breach when someone used my information in 2018. Experian created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. I wrote Experian about the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have proved this account information is fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted these companies and told them they are fraudulent accounts. These debts are not mine. These egregious stains on my credit file prevent me from obtaining future XXXX loans. I urge them to remove these items immediately before I am forced to take legal action. They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. However, they are not concerned about lawsuits. They are getting paid more money by these companies when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB and Federal Trade Commission to step up and force Experian to do the right thing. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2017-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my XXXX XXXX. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of [ specific item, e.g., bankruptcy ] on my credit reports with XXXX, Equifax, and XXXX, as reported under XXXX XXXX. XXXX. It has come to my attention that this information is being reported inaccurately and is in violation of the Fair Credit Reporting Act ( FCRA ) code 611 ( 15 U.S.C code 1681I ). 

As per FCRA code 611, any information that does not comply with the accuracy requirements must be promptly deleted from all credit bureau records. Therefore, I request that you investigate this matter and delete the inaccurate information from my credit reports with XXXX, Equifax, and XXXX. 

I kindly request that you review this dispute and work with XXXX, Equifax, and XXXX to delete the inaccurate information from my credit reports as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2022-10-31
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. (FL)

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 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 Hey hope all is well I ask the Credit Bureaus XXXX, XXXX and Equifax to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 2022-10-31
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: EQUIFAX, INC. (GA)

XXXX, XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -> : {$12000.00} XXXXXXXX XXXX XXXX  XXXX -- -> : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}