davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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. (GA)

I recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.
Consumer complaint received 2018-07-15
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)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2023-07-07
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the fraudulent debt, nor therefore any such debt, in fact therefore exists.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (CT)

I have attached an FTC report with fraudulent unauthorized inquiries. Delete Fraudulent unauthorized inquires and also delete this fraud alert I don't want it on my credit report Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2018-03-28
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. (CA)

After spending {$20000.00} for a {$14000.00} 2017 XXXX XXXX / XXXX XXXX a Car their Buy Program, I was denied {$0.00} down financing. I had just left my [ XXXX XXXX XXXX ], who have me recorded of having a XXXX FICO. But after a long, strange XXXX XXXX to XXXX, somewhere between XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX to date XXXX ) and the Credit Bureaus ( Trans Union, XXXX, and XXXX ), I was not only denied credit but XXXX therein presented me with what appeared to be a FORGED XXXX document bearing a XXXX of XXXX or so. I then told XXXX that this information is not only incorrect from the Bureaus were under Court Order : the residence issue : my address was supposed to have changed pursuant the XXXX XXXX XXXX XXXX ' findings : Mortgage Fraud, defendants : XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX for XXXX XXXX and wife XXXX XXXX / Section 1189 and G.C. 8224.1 Violators. See FERA Act of 09.  And that at least {$250000.00} ( USD ) was suppose to be reflected to each respective parties in concern, bearing case number XXXX / Related Case numbers as the Credit Burea account  numbers. However, none of these things have been done to date and or as the Law outlines.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

I have a BREAD CASHBACK AMERICAN EXPRESS CARD. Recently, my identity has been reported stolen, which caused me a lot of trouble. But what I really don't understand is that my identity was stolen, but the result in fact is that my own credit card was forcibly closed, and a bank account was also closed recently. My identity was stolen, and now this company is also closing the credit card I applied for myself without my permission. I really don't understand why my identity was stolen, but in fact was my own account has been and was closed. I am very angry and feel that it is unfair that all these banks have not respect me or contacting me in the matter of fact Say close and close.
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OH)

National credit system XXXX naturally fresh XXXX XXXX, Georgia XXXX Balance XXXX The law clearly states, 15 usc 1692c ( c ) if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Consumer complaint received 2023-09-11
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. (NY)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We transfered {$5000.00} into saving at XXXX XXXX XXXX On XX/XX/2023. But no money received or refunded By either them or bank of America. Where's the money.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2023-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I am a XXXX XXXX  XXXX Veteran in Texas and my mortgage company is still charging me for property taxes. They have neglected to update my escrow balance to reflect my exemption. They also did not update my property insurance premium payment & is deducting more than what it should be. 

I have contacted my local property tax office and they are tracking my exemption from property taxes for my home.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I used the respective websites of the three credit reporting agencies to place a temporary lift on the credit freezes I had on my account in order to apply for a credit card. After my application was approved, I wanted to reinstate the freeze before the temporary lift expired ( for security purposes, of course ). The XXXX website allows you to reinstate the freeze immediately, in about 30 seconds, i.e. about the time it takes to logon plus a few clicks of the mouse. 

However, if an individual has placed a temporary lift of a credit freeze with Equifax, Equifax does not allow one to reinstate the freeze using the website. One has to call Equifax and then this has to be done by an actual customer service agent- this took me almost 20 minutes today ( XX/XX/2023 )!! 

I find it rather ironic that Equifax, the company whose lax security forced all of us to put freezes on our credit reports, makes it so difficult for customers to refreeze their credit reports, when they were the ones that caused us all these problems in the first place!! Please do what you can to have them fix this. 
Thank you!!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX 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 : 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 2023-07-07
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. (IL)

i stated to XXXX XXXX i never recieved anything from them they should mail me at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX not at ouse address which i told them before and never received a call from them i got all telemarkers block automaticly on my phone and was never requested by anyone at XXXX XXXX to allow them to call so i never received mails or calls
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

my personal information was stolen and my id was used to get loans and credit. I filed a police report and sent the paperwork to the credit reporting agencies per the FCRA. I disputed these accounts. Nothing has been done and I have not gotten copies of the verification process XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (CT)

I went to XXXX XXXX to buy a car, the agent asked if they could run my credit to see if I qualified for a loan. That agent went on to multiple banks and pullled the credit report and that I did not approve I was concerned that it would impact my credit scores. As it turned out it did impact my score. We ended not buying the the vehicle from them. 
About a week or two we went to XXXX of XXXX looked we were interested and they ran my credit report and they also contacted several banks to get me financing I was not aware that they also used multiple lenders. I finally got approval from XXXX XXXX XXXX XXXX and bought the vehicle. 

My bank XXXX XXXX XXXX XXXX sent me notice that my credit score was lowered this week and I contacted XXXX XXXX they recommended that I start a case with your company so I can get a copy from your company and forward it to all three credit bureaus. 

Please contact me asap sincerely XXXX
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC (GA)

My account was bought or transferred from XXXX  to RAS LaVrar Law Offices in XXXX  after a telephone Consented Judgement was agreed upon and in motion between myself and XXXX. On XX/XX/, I spoke to the assigned attorney XXXX XXXX at RAS LAVAR, who was almost impossible to reach. I advised him that there were added charges and fees that they included to my signed judgement with XXXX. I was not responsible for the cost of any additional fees between RasLaVrar and XXXX. The Judgement was very clear and detailed about my arrangement. XXXX XXXX reviewed the Judgement, in which I re-sent him a copy and said that he didnt know where the added charges came from. He advised he would correct and get back to me. He never responded. I am a new business owner and attempting to get loans. As a result of this situation in which I attempted to resolve with the original attorneys office XXXX, I was in full compliance and making regular payments according to the judgment set forth. I attempted over months several times to call the new Attorneys office XXXX XXXX and their phone was disconnected. Until finally I got a live person on the phone that connected me to speak to XXXX XXXX and I followed up with an email. ( please see email and attachments ). 

I am a new business owner and I have been getting denied business loans because of this incorrect information is on my credit. A judgement was NEVER supposed to be on my credit reports as long as I complied with the payment arrangement. I complied with the payment arrangement with XXXX. RasLaVar bought the loan and dismissed arrangments of the judgement that was in place and made themselves unavailable for resolution for me to comply. 

A correction of the fees. There was a signed judgement order already in place. This creditor bought the debt and tried to add additional fees and charges.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I disputed an account # XXXX WELLS FARGO BANK on XXXX XX/XX/XXXX  ( Report Number : XXXX ) I told the credit bureaus to " investigate every piece of information '' on the account I have disputed. 

According to the FRCA The term " investigate consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible when they did not provide me with contract details. Upon request they failed to provide me the original verified contract between me and wells Fargo, They failed to provide me details about accuracy in the report and continue to report inaccurate information on my credit report which is seriously hurting me. 
If they failed to investigate and failed to provide me with details about the account which I do not believe is mine, how can they blatantly violate FRCA 15 USC 1681 failure to provide information, failure to provide documentation and they are not reporting accurate information on my credit report, when according to the FRCA everything must be 100 % accurate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent toreport anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion Bank / credit card inquiry XX/XX/XXXX SOURCE ; experian Bank XXXX credit card XXXX XXXX XXXX XX/XX/XXXX SOURCE Experian XXXX : Personal Loan company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem
Consumer complaint received 2022-11-25
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX