davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX
Consumer complaint received 2023-07-07
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: HYUNDAI CAPITAL AMERICA (NJ)

HYUDAI MOTOR FINANCE USA My loan was paid off on XX/XX/2023. I did an extra payment and suppose get the refund which I did not receive it more than 2 months later. Whenever I call to get the refund check, I am getting different answers. Spoke to the supervisor today and she is also giving me run around to get my money. Staff are very rude and not helping. I hope some one can take some actions and teach this big company that they can not treat customers like trash.
Consumer complaint received 2022-12-06
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. (CA)

XXXX XXXX  is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that two of the three credit Reporting agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so. 
By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially. 

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX  ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.
Consumer complaint received 2023-08-17
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by several creditors. My hope is that the Consumer Financial Protection Bureau will take action to enforce the relevant laws and ensure that my consumer rights are upheld. Additionally, I would like to share a deeply personal story that illustrates the severe impact these violations have had on my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Violation : Unauthorized credit inquiry without my consent. 
- Relevant Law : FCRA Section 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate personal information reported. 
- Relevant Law : FCRA Section 1681c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 The impact of these violations on my life has been nothing short of devastating. Due to the inaccurate and improperly verified information on my credit report, my ability to secure housing, employment, and even simple everyday transactions has been severely hindered. I have been unjustly denied rental opportunities, faced higher interest rates on loans, and felt the constant burden of financial insecurity. 

These violations have caused not only financial stress but also emotional turmoil. I have struggled to provide for my family and faced humiliation and embarrassment due to circumstances beyond my control. The sleepless nights and XXXX I've experienced as a result of these violations have taken a toll on my mental and emotional well-being. 

With all due respect, I implore the Consumer Financial Protection Bureau to take strong and immediate action to ensure that my consumer rights are upheld and that justice is served. I humbly request that you use your authority to compel the relevant creditors to remove these unverified and inaccurate accounts from my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in the best interests of consumers and ensure that my rights are protected. I am hopeful that this dispute will lead to a resolution that allows me to regain control over my financial and emotional well-being. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. On my credit report there is a Charge off from : XXXX XXXX XXXX for the amount of {$230.00} & {$150.00} from XXXX XXXX XXXX XXXX XXXX  for the amount of {$380.00}. XXXX XXXX XXXX XXXX XXXX the date is unknown but it was reported XXXX XXXX XXXX XXXX for the amount of {$1200.00} XXXX. 
XXXX XX/XX/XXXX
Consumer complaint received 2023-07-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (GA)

Equifax has caused me damage in the form of adverse action by reporting fraudulent inquiries to my consumer report. I have proof of this in the attached screen shots of my consumer report with fraudulent inquiries as well as a copy of the adverse action letter that was sent to me citing Equifax as the provider of my consumer report in this matter. My social security card is a credit card by definition and was used, providing a benefit to Equifax and XXXX, however I never received any benefit which constitutes my unauthorized use of my credit card. This is a criminal violation. In addition the FTC regulates the fact that consumers must not be mislead in any commercial dealings. For XXXX and Equifax to lead me to believe either of them were providing me a loan is misleading and punishable by fine and imprisonment. Please govern your selves accordingly.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My brother try to deposit his check in my account once through my banking mobile app and at the Atm. The check is in his name it was XXXX. Ive been a BOA customer over 20 years with weekly and by weekly payroll deposit. Ive built history and a relationship with BOA. For me to jeopardize my account is ludicrous. I dont think its right all four of my accounts be forced closed. I would like this matter looked in to. This is damaging to my life and very stressful XXXX XXXX  and XXXX  make it hard to open a bank account. I would like to re-open a new account with BOA.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The account is showing open. I made 100 % of payments. Loan paid in full. Received car title and letter stating loan was paid in full. Also stating it was paid inside of a XXXX XXXX plan. I had a XXXX XXXX plan but payments were made outside of plan. The account has been closed for 1 year but doesn't reflect on credit report all payments on time.
Consumer complaint received 2022-12-06
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. (TX)

Credit hack 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes to XXXX, XXXX, and TransUnion about a car loan titled XXXX XXXX XXXX or XXXX XXXX XXXX on my credit report. I successfully removed these from my XXXX and XXXX credit reports, due to the account having information that does not belong to me such as it being purchased in a different state. I have tried to dispute the same information with TransUnion as well as the 30 inquiries on my TransUnion credit report to no avail. I provided them with documentation of my Identity theft report filed with the Federal Trade Commission, but TransUnion came back and said it was fake. They refuse to properly investigate and delete the inaccurate information. Instead, they lock me out of my online account for extended periods of time so I can't dispute or respond to their dispute results and make it to where I can only mail them in my disputes. This happens at least 3 times a month, I do not have these problems with the other credit bureau 's only TransUnion. In regards to the over 30 credit inquiries on my report most of them being 5 to 6 duplicates from the same company. TransUnion refused to investigate them and remove them for inaccuracies and simply sent a letter stating they were true immediately after I submitted a dispute for them. TransUnion is the only credit report that does not delete incorrect information, no matter how much proof you submit they always come back with an excuse. They are going out of their way to deliberately negatively impact my credit report. I have talked to a lawyer and if the information is not fixed I am afforded the right to seek litigation, which I fully intend to do.
Consumer complaint received 2023-08-17
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I currently have four fraudulent accounts appearing on my credit report. 

1. XXXX XXXX  XXXX {$160.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00}
Consumer complaint received 2023-08-17
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. (CA)

The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, XXXX blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.
Consumer complaint received 2023-08-17
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my report with transunion. this has been an ongoing issue that needs to get resolved. checking my file it has caused alot of denials with inaccurate information that is reported to be cleared asap. please review an remove the listed items to correct my file asap.
Consumer complaint received 2023-08-16
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. (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. The letters are stated with items and issues. 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 tha

n seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any c
onsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I have contacted Mohela numerous times to ask specific questions regarding my loans. Eight months ago I inquired about how many verifiable PSLF payment counts did I have. I followed all protocols by submitting all requested documents, including certifying that I continue to work for a not for profit company. These qualifying payments are important because they move me closer to loan forgiveness. In over eight months, my qualifying loan information has not been fully updated. I was told that the information would be updated in ninety days. It was not. I was then told I needed to recertify my employment a second time. I did this. I was told that my qualifying payment information would be updated in three days. It was not. I was told that Mohela was awaiting the Department of Education to give the green light to update my information. Today I was told to recertify my employment again before my qualifying loan payment information could be updated. I explained to the representative that the number of qualifying loan payments listed were there when I last recertified my employment the last time. I was also told today that if the loan payment count isn't updated by the time I must resume loan payments, which is in XXXX, that I would receive a refund if owed one. Mohela seems to be waiting for my loan payment date to arrive without updating the number of loan payments I have made that would move me toward loan forgiveness. In more than eight months, I believe my loan payment count should have been updated. Mohela has been giving me conflicting information for over eight months. I would like to know how many qualifying loan payments I have made. I would like to know how close I am to loan forgiveness before my loan repayment period resumes.
Consumer complaint received 2023-08-16
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)

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. 

has violated my rights. Or list of inquiries 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.