davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (TN)

I am writing to you regarding a matter of utmost importance pertaining to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) as defined in the United States Code, Title 15, Section 1681. As an informed and responsible consumer, I am fully aware of the protections granted to me under the FCRA, which are designed to ensure the accuracy, fairness, and privacy of information contained in consumer reports. It has come to my attention that certain activities have occurred that potentially violate the provisions set forth by the FCRA, prompting me to bring this matter to your attention and seek resolution in accordance with the law. I am trying to to start building my credit for a house and car. I mailed the the 3 major credit bureaus about a inaccurate information on my credit report. This is very vital that I get this fixed but none of the credit bureaus contacted me. My XXXX XXXX collection was written off for the amount of {$1000.00} as a of XX/XX/2021. I also have one with XXXX XXXX XXXX. I trust that you will treat this matter with the seriousness it deserves and take the necessary steps to address the issue promptly. Failure to comply with the FCRA may result in legal consequences, which I hope we can avoid by resolving this matter in a mutually satisfactory manner.
Consumer complaint received 2023-09-29
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. (MA)

DEAR XXXX XXXX  ; CREDIT BUREAU ; EQX ; XXXX ; XXXX ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me. 

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1 XXXX  XXXX Account Number : XXXX 2. XXXX Account XXXX : XXXX 3. XXXX Account XXXX : XXXX * 4. XXXX Account XXXX : XXXX 5. XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. 

Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with XXXX does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. 

The record shall be removed.
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Mercedes Benz Financial Services (GA)

Dear CFPB, I have put on notice to Mercedes-Benz Financial that I XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, hereby revoke, terminate, and cancel any and all powers and authority as Power of Attorney granted to you under the unconscionable contract attached in XXXX XXXX executed on XX/XX/XXXX, in which you were appointed as my agent or attorney-in-fact. This revocation is made pursuant to the terms outlined in the original Power of Attorney and in accordance with the relevant state laws governing such documents. 

Revocation of Power of Attorney Effective Date : XX/XX/XXXX : This revocation shall be effective immediately upon the receipt of this notice by you and any third parties who were previously notified of the Power of Attorney. I kindly request that you return any original documents in your possession that pertain to this Power of Attorney.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

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 GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I requested a VALIDATION OF DEBT and proof of wet ink signature on contract and was never provided the requested documents from Debt Collector. The Alleged Original Debt is in the amount of {$2400.00} but Debt Collector is reporting to : XXXX AND XXXX that amount of alleged debt is {$2400.00} which is a violation of FAIR DEBT COLLECTION PRACTICES ACT SECTIONS 807 " FALSE AND MISLEADING REPRESENTATIONS '', 808 " UNFAIR PRACTICES ''
Consumer complaint received 2023-01-10
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: FIRST NATIONAL BANK OF OMAHA (FL)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Past 5 years done one have been trying to get things in my name want to get all inquiries deleted for in proper use. Below the following HARD INQUIRIES XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2023-03-15
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

Ordered some XXXX from a company in XXXX This Citi Bank card refused to pay for it. So I cancelled this card in XXXX or XXXX of XXXX a couple months later I started getting statements from them saying things had been charged on it. Called them talked to fraud department to let them know it had been cancelled and charges where not mine, the card was already cancelled. they agreed the charges were not mine. Went through the steps to cancel card again. they started calling me XXXX or XXXX times a day for most of the year leaving messages, and just plain harassing me. I called them and cancelled this card 4 times in 2022 and they still keep calling me telling me I am a valued customer I don't want the card and the debt is not mine need this card cancelled and debt cleared.
Consumer complaint received 2023-06-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this 1 of 2 account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-06-21
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. (IL)

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  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.
Consumer complaint received 2023-03-15
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. (LA)

15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (WA)

I received a letter from Direct Express in XX/XX/XXXX saying I would get a new payee benefit card because their processor was changing. XX/XX/XXXX came and I never received the new card. I called XX/XX/XXXX and was told they would send XXXX out within XXXX business days. XX/XX/XXXX I called back because I still hadn't received a new card only to be told XXXX was never sent out on XX/XX/XXXX. I again was told to wait another XXXX business days for a card. I was also told the XX/XX/XXXX Social Security benefits would be mailed as a paper check from the Social Security XXXX since I wouldn't have the card by then. Well, on XX/XX/XXXX I didn't receive a paper check so I called Social Security who said they sent the monies to Direct Express. I called Direct Express and now couldn't get a live representative. I tried for an entire week and at all times of day only to get a recording that said their phone lines were busy and I would need to call back. Social Security said they had an internal way of sending Direct Express messages and that Direct Express had an agreement with them to call clients within XXXX  hours of receiving the message from Social Security. Well, I never got a call even after Social Security sent them messages over several days. This has all caused rent and numerous other bills to be late and meanwhile I still don't have a card.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

incorrect information on my credit report XXXX, equifax, XXXX for my name and address. 

my name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, marlyland XXXX
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

Looking at an online report number XXXX dated XXXX/XXXX/17 on the Experian website, they are reporting a duplicate collection account with XXXX different collection agencies. Experian is the only credit reporting agency reporting this in this manner. The account is already being reported under XXXX XXXX, however, Experian is reporting it also under XXXX with the same duplicate information.
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I have XXXX accounts with Jefferson capital for XXXX. i never had XXXX, nor inquire about an account with them. somehow Jefferson capital is showing up on my credit. i did no received a letter about the collection before it was sent on my credit