davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX ( XX/XX/23 ) i've contacted this company about reporting inaccurate information accounts that dont belong on my report that are currently giving me a hardship within my life that's stopping me from making purchases and extended my credit to the companies that I actually want to do business with. I know under U.S.C 1681 e ( b ) they should be furnishers of information, such as creditors or lenders, have a responsibility to provide accurate and complete information to consumer reporting agencies. 

Transunion ( XX/XX/23 ) i've spoken with this company about the same problem reporting inaccurate information there telling me to just wait XXXX ( XX/XX/23 ) I've contacted this company about inaccurate information
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to TransUnion, XXXX, and XXXX by certified mail. Over XXXX inquiries are included across the three reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: Goal Structured Solutions, LLC (CA)

Dear CFPB, I am having a major issue with Launch Servicing. I have sent many disputes out regarding inaccurate information on my report but they have not fixed the issue. Today I called them to see how I can get this removed from my report and they did not want to help me. I attached a copy of my report showing different balances reporting across all 3 report. Including an attachment directly from their website showing a completely different balance. Can you please investigate this for me? It is causing emotional distress. If you look at my report this account is also reporting as 120 and 180 days late but also shows as a delinquent account for many years. I don't understand how its reporting as open and late. I am also going to file a complaint with the state attorneys office if this company doesnt delete this account because as mentioned I have filed several disputes already and they are still violating the FCRA XXXX I'm sure they are aware that they are violating my consumer rights. Thank you in advance for investigating this matter. Please see attachment
Consumer complaint received 2023-02-02
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. (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 rights 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. 

On XX/XX/ a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2024-03-27
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 DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/XXXX it is documented with the Debt Collector was contacted by me disputed the debt and informed them this was not my debt. I requested validation of debt at that time. 
On XX/XX/XXXX I received another debt notice from the Debt Collector. On XX/XX/XXXX at XXXX XXXX  I contacted the Debt Collector and spoke with XXXX. She informed me that I disputed this on XX/XX/XXXX and it was not approved. I informed her to stop contacting me that I will seek legal counsel.
Consumer complaint received 2024-03-27
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. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2021-05-19
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. (NY)

Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts and inquiries be deleted from my credit file.
Consumer complaint received 2018-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I initiated a review with the XXXX and Transunion beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NC)

Credit card was a student card. While I was living on my college campus, all of my information was stolen ; along with the card. When I saw activity on the card that was not mine, I called the bank immediately. I not only had a credit card, but a regular checking and savings account as well. Wells Fargo stated how sorry they were and told me they would do everything they could to help. After numerous attempts and calls, nothing was done. I went and closed all accounts within 30 days of no help. Despite multiple calls informing them of the situation, and false promises, I ended up having to pay almost {$350.00} worth of debt from my checking account because they threatened to send me to collections. All debt owed was due to overdraft fees that I did not cause. Wells Fargo continued to harass me concerning the credit card for months. When sent to collections, they told me if I did not make any type of payment plan, despite my card being stolen and charges owed were not mine, that they would sue me personally for the debt owed. I began to pay the debt monthly for {$50.00}. Around XXXX of 2015 I received a call from Wells Fargo asking to pay the debt in full. I told the representative that I already was paying a monthly payment for debt that I did not cause. She then proceeded to ask how much I was getting in tax returns. I became upset due to the fact that since I was already paying monthly, I felt violated that she was asking about my personal business when I already had a current obligation to pay. After a few months of continuous harassment, I finally asked to speak with a supervisor. I explained to him every detail that happened from the beginning. After stating that I had planned to get my family lawyer involved, and due to all that I had gone through, he informed be the debt would be removed from my credit report. Upon recent investigation into my credit report, Wells Fargo has not removed the collection from any of the credit bureau 's. The account status states, Closed-Derogatory. I previously disputed and the remark states Charged off as bad debt Dispute resolved ; customer disagrees. This was not the original agreement I had with the supervisor.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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 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 2018-03-12
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: ALLY FINANCIAL INC. (MI)

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written  instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and XXXX  report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such  documentation. XXXX  and XXXX are liable for the monterey fines as well for reporting unverified information. 

https : XXXX
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

Synchrony bank charged me {$16.00} for having a XXXX balance on my Amazon store card. I paid off the card the previous pay period and had not used it as I am trying to pay down my credit card debts because the interest charges are too high and I'm living pay check to pay check right now. 

So, I closed the account. One week later, Synchrony cancels the other store card I had for Guitar Center ( musical instruments only ) which also had a XXXX balance ( because I had paid it off and had not been to that store in a while ) and gave the following reasons : 1. Your credit score : XXXX XXXX. Lack Of Real Estate Secured Loan Information 3. Balances On Accounts Too High Compared To Credit Limits And Loan Amounts 4. Too Few Accounts Paid As Agreed 5. Not Enough Balance Paid Down Over Time On Installment Accounts All of these reasons are falsehoods. When I checked my credit score as of today, XX/XX/XXXX. It was XXXX to XXXX, and I have XXXX unpaid debts, and XXXX late payments, and all my loans have been paid according to the agreements. 

In addition, both XXXX and XXXX noted that Synchrony having canceled my credit for the reasons they stated would hurt my overall score. 

This is predatory lending in addition to causing real harm to people living on a shoe string budget. It is not fair that the poor are punished by being charged unfair fees and high interest rates while the rich are given unlimited credit with minimal fees and low interest rates.
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (TX)

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Consumer complaint received 2024-03-26
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. (OH)

The Credit bureaus stated my account was properly investigated but my credit report says otherwise. There are multiple inaccuracies on all XXXX  of my credit reports the dates, payments and numbers on my credit report are inaccurate.

It is stated under 15 U.S.C 1681 that everything on my report must have 100 % pure accuracy.

My rights also violated under 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 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. My right to privacy has been violated under The Privacy Act of 1974.

This charge off is also considered a certificate of indebtedness which means that this is now income and income can not be reported to my credit report.

15 U.S.C 1681n - Civil liability for willful noncompliance.
Consumer complaint received 2017-12-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Earlier this year ( 2017 ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!
Consumer complaint received 2023-02-02
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-02
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. (NV)

In accordance with the FCRA the following are in clear violation to my rights as a consumer : XXXX Confirmation # XXXX - Verified information XXXX Report Number XXXX - initiated XX/XX/XXXX date returned XXXX XX/XX/XXXX 1. I have placed a security freeze on all secondary bureaus : 2. I have asked telephonically and via the bureaus ' website that they, the credit bureau, provide me with their method of verification and they have not replied nor provided their investigation Method of Verification which includes as per FCRA : Name of original creditor Creditor 's address Documentation used to verify the dispute I have requested this information so that I know the investigation was in fact properly conducted. I have requested the documentation be submitted to me in a timely manner which the bureaus have not done so. 

XXXX XXXX # xxxxxxxxxxxx XXXX Close date XX/XX/XXXX showing a balance of {$3000.00} XXXX # XXXX XXXX - This account is showing closed with a balance of {$100.00} These bureaus are reporting the collection and closed accounts as a CLOSED ACCOUNT WITH BALANCE. Since the bureaus have NOT furnished any investigation and the fact being that ALL the secondary bureaus : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX I have little to NO idea where the bureaus are verifying the information. 

15 USC 1681 Sect 602A : I, the consumer, have the right to privacy 15 USC 1681 Sect 604A Section 2 : can not furnish or display my account without my written consent.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose FCRA Section 609 ( A ) ( 1 ) - Closed accounts still reported and balance open, as well as, request for validation of debt which has not been provided - a clear violation 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. This was NOT done as I had requested.

On the bureaus ' websites, there is no equitable way to submit a dispute ( see evident uploaded )
Consumer complaint received 2023-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IN)

Credit Collection Services is still reporting a collections account that has been paid off with a {$0.00} balance, with credit remarks including that the balance was legally paid off, however, is still reporting it as a collections account despite payment and agreement to remove this account in return for the debt being paid. This account has been on my credit report since XX/XX/2018. They are still reporting on behalf of XXXX XXXX.
Consumer complaint received 2023-01-27
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. (GA)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX XXXX  XXXX XXXX