davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-11-04
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I received my gift card on Friday XX/XX/XXXX as a birthday gift. It was purchased by my coworkers for the amount of {$150.00}. I went to the XXXX XXXX store in XXXX XXXX to make a purchase using the card. After spending an hour on the phone i was told the there was a freeze on the card and that it would start to work after an hour of getting off the phone with customer service phone line. I attempted to use the card to pay for dinner that night and it was once again declined. On Monday XX/XX/XXXX I attempted to use the card at XXXX XXXX and it was again declined. I called customer service and was told that I would need to be issued a new card and have it mailed to me. I received the new card in the mail on Friday XX/XX/XXXX. The card was in a sealed envelope in my mailbox with no evidence of tampering. When I opened the envelope and attempted to register the card under my name online it showed that card only had {$1.00} on it. I looked up the transaction history on the card and it showed a purchase for {$140.00} at a XXXX XXXX XXXX in XXXX California on XX/XX/XXXX at XXXX. I immediately filed a called customer service and told them what happened and they informed me that they would have to file a dispute on the charge. I still have had no resolution to this issue and keep being told that they are unable to contact the dispute department because it is not within their scope.
Consumer complaint received 2022-11-03
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)

On XX/XX/2022 I filed a dispute with all three bureaus : XXXX, Trans Union and XXXX involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (DE)

Lost wallet during move to XXXX, Texas, Had alerts going off on XX/XX/2022 that my credit was being ran by XXXX XXXX and XXXX. I called Equifax multiple times ending in the representative saying that they can not help me. There was not verification or authorization in this process and under the FCRA laws these inquiries should be removed.
Consumer complaint received 2022-12-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (AL)

I ca n't lower my payment ( {$50.00} ), had two forbearance agreements on this same loan amount. Not sure how this has effected my credit, my payment amount, or how they did it on the phone with me not signing or me reading any part of an agreement on-line or in hard copy. The amount never seem to go down even when I have made large payment. Now I feel it was not worth even trying to get an education at all due to all this debt it has cause me.
Consumer complaint received 2022-11-03
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. (GA)

In accordance to the Fair credit reporting act This creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.
Consumer complaint received 2022-11-03
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. (GA)

In accordance to the Fair credit reporting act This creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-11-03
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. (IL)

To whom it may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and noticed a few accounts that need more clarity. I am not 100 % sure if they are accurate. I also read something called the Fair credit reporting Act where by law I have a right to challenge anything I am not sure is accurate. Some people are reporting things on me that dont seem accurate. 

Are you familiar with something called 15 Usc Sec 1681a? I heard that if you cant provide proof, these accounts need to be deleted immediately! Well I want these accounts deleted if they are not 100 % right and correct. So you have up to 30 days to complete this investigation, which was confirmed by a lawyer. Please investigate the following accounts and remove them if the information is not correct! 
My student loans are not consistently the same information across the 3 credit bureaus. So i am confused as to why the dates arent the same because per law, these pieces of information have to match identically with the 3 creditors. 

Also any type of credit transactions whether its finance, leases, loans, purchases have to be cash in hand. I never received any type of compensation for those loans. 
Per 15 U.S. Code 1679, these transactions were never done which is a violation. 

Also XXXX was sold to a different company and bought out and i was never sent any documentation on what I owe or moving forward
Consumer complaint received 2022-12-05
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)

On XX/XX/XXXX, I pulled my consumer report from Trans Union. I noticed that there is blatant disregard of my personal right to privacy. There are multiple inquiries, accounts, phone numbers and addresses listed. This is evident unauthorized use of my Personally Identifiable Financial Information. I did not give Trans Union authorization or consent to report or publish any of my private Personal Identifiable Financial Information. 

Trans Union LLC v. FTC, 295F.3d 42 - Court of Appeals , Dist. of Columbia circuit 2002.
Consumer complaint received 2022-11-03
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. (CA)

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX USDOE/XXXX Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX  Acct # XXXX USDOE/XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  # XXXX XXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX
Consumer complaint received 2023-08-14
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. (NC)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 



I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 



I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

8. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-11-03
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. (TX)

On XX/XX/22, I discussed the potential that phony accounts may have been reported on my consumer file with representatives from Experian, XXXX, and XXXX. I begged them to delete the accounts because I didn't know how they got there or anything about them. All three businesses gave me the go-ahead to submit paperwork and complete an FTC report XXXX On XX/XX/22, submitted my letters via certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. This problem has me baffled and irritated since it prevents my family and I from being able to purchase. On XX/XX/22, I called all three companies once more and asked how they could establish that these accounts belonged to me. They only stated that they were unable to assist any further and advised me to contact the creditors directly. It didn't surprise me when I made an effort to get in touch with each creditor who had been erroneously asserting on the consumer file that they were unaware of me or the accounts. I had run out of options, so I went online and found the CFPB website, which some of my friends had advised would be helpful in my circumstance. I sincerely hope that this is helpful since my family and I are trying to apply for a house.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I was notified by Bank of America ( XXXX XXXX ) that three of my checks written on from my Trust account at XXXX XXXX  were presented to their tellers for deposit into three different fraudulent B of A accounts. The checks had been stolen from a mailbox where I mailed them to pay utility bills. I was unaware that they had been stolen and rewritten for different amounts to different recipients until B of A made this call. I confirmed with B of A that they were my checks but not as written. And, although my bank had already wired funds from my checking account to cover these checks, B of A did not move the funds into the fraudulent accounts ; they held the funds. They told me that the funds would be returned to my account after their research about the incident was completed -- roughly 45 days at most. 

On XX/XX/XXXX, XXXX form B of A called me to say that the research was almost complete and that funds from the first check were being deposited back to my account ; the rest would follow. 

The forged checks, numbered XXXX, XXXX, and XXXX were written for {$27000.00} ; {$24.00}, XXXX. and {$22000.00}, respectively. This mean s that almost {$75000.00} of my Trust account was missing. 
I am XXXX XXXX XXXX and this money, my savings, is needed for my care. 

It is now XX/XX/XXXX, long after the 45 day period first promised for the return of my funds and long after the legal scope of 30 to 60 days. I or my daughter on my behalf have called the B of A fraud dept multiple times weekly about the return of the funds. They confirm that they do have the funds and they confirm that the funds were never deposited into the fraud accounts but they can not say when they funds will be returned. A XXXX named XXXX told us on XX/XX/XXXX that there was nothing more that the Fraud Dept can do and that I should go to a local ranch and set up an account with B of A so that they can give us more information. I made an appointment to do as he directed. Then on XXXX, I talked to supervisor XXXX ( who I've spoken to three times ) who said that XXXX was incorrect and that the money would still be coming at some point but that there was an issue that requires me to go back to the police officer who made the report -- we have that case number and give him a phone number to call B of A and talk to them. Since then, I have left several messages for him ( XXXX XXXX ) but he has not returned any of my calls. 

In all these months no one has told us to go back to the police officer, and no one from B of A has reached back to us since XX/XX/XXXX. 

I am very afraid that B of A will just drag this out until I die and then refuse to give the money to the heirs for which it is in trust. My health is not great ; I go in and out of the hospital. 

B of a case number fo rthis issue is XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-03
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022 I walked into XXXX XXXX, XXXX to finance a vehicle for personal and family purposes. Looking over my contract I have noticed that their company violated the Truth-In-Lending Act Law that should have been honored within my contract. They also violated my Right to Rescission ( 12 CFR 1026.23 ). The total sale price on the ( XXXX ) XXXX XXXX XXXX is {$31000.00} with {$1000.00}. 

I wrote a Notice Rescission of Transaction, along with an Affidavit of Truth of Deceptive Business Practice, and a hand written letter to CFO XXXX XXXX XXXX & XXXX XXXX XXXX, and I sent it Certified Mail. I made him my limited power of attorney. I gave him full power to apply the principals balance to the principals account and to communicate in writing upon the completion of the authority I gave him.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Trident Asset Management, L.L.C. (TX)

Creditor reporting false information on all 3 credit reporting agencies creditor Trident Asset Management and original creditor XXXX XXXX XXXX reporting on my credit reports that account was opened XX/XX/2022 this information is falsified I would like an investigation into this matter.