davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (PA)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.
Consumer complaint received 2023-08-10
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. (LA)

There is someone elses name, ( XXXX XXXX and XXXX XXXX ) car loan, credit cards, bad debt, and credit inquiries mixed in with my credit. I filed a dispute on XX/XX/23. They asked me to send them a copy of my social and drivers license which I did. They sent me a letter stating they didnt know what it was for. I called them on XX/XX/XXXX and was told the dispute was still in progress. I got a email saying my dispute was finish but I cant see it and my report hasnt changed.
Consumer complaint received 2023-08-10
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. (NJ)

XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Has violated my rig

hts 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 conviction, or crimes, which antedates The report by more than seven years. 15 U.S.C. 1681 S-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 information is in accurate.
Consumer complaint received 2024-04-05
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 am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

My name is XXXX XXXX. I have been harassed by a company called IC systems for many years. 
They somehow procured a debt that I had with XXXX XXXX for my last bill which was around {$100.00}. 
That bill was paid in full and I have a XXXX balance with XXXX XXXX cable I see systems has repeatedly harassed me by resubmitting information about the debt after it is taken off my credit report through disputes This debt has been disputed and removed numerous times over the past four years This tactic of re-introducing debt, which has been proven to be false and removed from someones credit is harassment and should be illegal. Please stop them.
Consumer complaint received 2024-05-23
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 am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We wrote Capital One on XX/XX/XXXX directing them to close our account and have the funds mailed to us. After not receiving a check, we called on XX/XX/XXXX and were told they didn't receive our letter. We closed the account by phone on XX/XX/XXXX and were told by XXXX that a check for {$11000.00} would be sent in 3 business days.. We never received a check. We called on XXXX and were told a check was mailed on XXXX. We called again on XXXX and were told that the check was not mailed on XXXX but rather on XXXX. We called again on XXXX and spoke with supervisor XXXX XXXX ID # XXXX ) who said check was mailed on XXXX, he would put a stop pay order on it. We called again on XXXX and were told for the first time we had to submit a notarized Affidavit of lost check. We executed it and returned it by fax the same day. We called on XXXX and spoke with XXXX XXXX ID # XXXX ) who did not see our Affidavit. We called again on XXXX and spoke with supervisor XXXX XXXX ID # XXXX ) and were told our affidavit was rec 'd on XXXX. He promised to get back to me, but didn't. He told me we could write a complaint letter to the Office of the President of Capital One. We sent a certified letter to the address he gave me on XX/XX/XXXX and never received a response ( although we rec 'd the green card back showing the letter was received ) .. We called again on XXXX and were told that they were supposed to mail us a check on XXXX but supervisor XXXX says it looks like it wasn't mailed. He promised someone would call me within 24 hours but no one did.
Consumer complaint received 2024-04-05
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. (TX)

I sent you a letter recently and you were required to enter a notice of dispute within XXXX days of receipt to my accounts so that my creditors and anyone else pulling my credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, there is no last reported date which is required. XXXX has since removed this account. I am including the disputed item along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX
Consumer complaint received 2023-08-11
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. (NM)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (NY)

On XX/XX/XXXX, a little after XXXX, I got a phone call from a number I did not know, so I ignored it. They immediately called back, and left a message identifying themselves as XXXX XXXX, which sounds like a fake name. I had not received any mail from the company prior to this, and didnt get any written correspondence until about a week later. There had already been a dispute with the creditor ( XXXX  ) about the debt owed, as it was paid by gap insurance after the car was totaled in XX/XX/XXXX.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-02
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. (TX)

Multiple hard inquiries with several online credit companies made recently. I was contacted by several companies at which I discovered my identity was stolen and froze my credit with the XXXX major credit bureaus. This has cost me a great deal of heartache as I was unable to get a line of credit needed for business due to my credit score. XXXX of my credit cards have accumulated small balances of less than {$1000.00} after it seems the person went on a shopping spree.
Consumer complaint received 2022-10-23
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: CLGF Holdco 1, LLC (GA)

Your company is in violation of the fair credit reporting act 15 U.S.C 1681s-2 ( A ) 15 U.S.C 1681s-2 ( A ) prohibits furnishers to report information with actual knowledge of errors to the consumers credit file. 

See Dispute attached
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not liable for this debt XXXX XXXX. I do not have a contract with that company. I have contacted XXXX andTransUnion regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

Gm financial has a Very slow billing system that doesn't update properly doesn't account for payments doesn't show all payments, Doesn't provide an accurate balance... The customer service is generally grossly incompetent with absolutely no follow up from this company about anything... They waste your time and essentially dismiss your concerns. This company 's policies and procedures essentially is consumer abuse... I would add that in the past their statements had no information at times But insisted there was nothing they could do... I have absolutely no confidence that this company will do anything about any complaint...
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 my close friend XXXX XXXX received his IRS refund check in the amount of {$24000.00} VIA check which was issued from XXXX XXXX. XXXX XXXX signed his check over to me and I deposited his check into my Chase Checking Account. After depositing this check that was received from XXXX XXXX XXXX XXXX XXXX, Chase bank then closed my account. I immediately contacted Chase bank to get an understanding of what caused my Checking account to be closed, a Chase Bank representative stated that XXXX XXXX contacted Chase Fraud Department and allegedly confirmed that the check issued from your bank ( XXXX ), that was deposited into my account was fraud. Since XX/XX/2023 I have spoken with 3 different representatives from XXXX XXXX in which each representative stated that no one from XXXX XXXX has never contacted Chase, Nor has no one from XXXX XXXX made statements or allegations that the check received from XXXX XXXX  was Fraud. XXXX XXXX is insisting that everything looks good on their end and that the dispute is with chase and that they dont understand why chase is holding my money. To furthermore add XXXX XXXX has contacted the IRS and they have also stated everything is good on their end and that they dont understand why chase is holding my money. I have tried to contact chase multiple times and have been getting the run around throughout this whole ordeal and each time I talk to a representative its a different reason why my money is being held.
Consumer complaint received 2022-11-02
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. (VA)

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 : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX OR XXXX, XXXX : ACCOUNT # XXXXXXX, XXXXXXXX XXXX  : ACCOUNT # XXXXXXXXXX, XXXX XXXXXXXX : ACCOUNT # XXXXXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXXXX, XXXX ACCOUNT # XXXXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXX 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 XXXX 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 2022-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Joseph M. Tobin, PC (FL)

Have requested payoff of alleged debt on multiple occasions. Tobin Melien and Marohn has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a XXXX as requested so that proper tax assessment reporting be made to the IRS. 

And, as for the originating application ( securities ) and XXXX XXXXXXXX XXXX account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be XXXX out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX XXXX XXXX acct # 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., 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.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have a student loan that is not listed correctly XXXXDEPT OF ED XXXX is showing 0 % PAID OFF when in fact it has been forgiven by The Biden-Harris Administration . I have attached the letter from the FEDERAL STUDENT AID Office of the US Dept of Education.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 EDD issued me {$3400.00}. Unfortunately, I did not know that I received this money due to an ongoing legal situation that I have with my personal belongings including purse, id, and credit cards being locked up and taken in a housing residence scam. I contacted Bank of America to let them know that I have no access to the card and because of the ongoing issue with XXXX Police Department and myself. They would not take a police report even after speaking with the Watch Commander. Due to the sensitivity of the case involving law enforcement I can not go into great detail. Card company sent pictures of someone at the ATM withdrawing money off of my card and it is not me. I have no idea who that person is but Bank of America closed my investigation I guess based upon the fact that they had some photos. Closed the investigation due to this and now I am homeless and without money and food. I am unable to discuss my issues with local law enforcement due to the ongoing legal battle. Bank of America prepaid processing will not even return my phonecalls. They refunded partial money thst was involved in the claim but did not refund ALL monies.
Consumer complaint received 2022-11-02
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.