davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Subject : Formal Complaint Regarding Inaccurate Collection Entry on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection entry on my credit report that contains significant errors in both payment history and the outstanding amount. I believe that these inaccuracies not only violate the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 804, but also the Fair Credit Reporting Act ( FCRA ), as outlined in Section 1681.

I would like to bring to your attention the following details regarding this issue : Description of the Error : Upon reviewing my credit report from Equifax Credit Agency, I discovered an entry for a collection account under the name of ABSOLUTE RESOLUTIONS. However, I have serious concerns about the accuracy of this entry. It reports that I made late payments in XX/XX/2019, and the outstanding balance is listed as XXXX. I maintain that these reported late payments and the indicated balance are not accurate. 


Communication with the Collection Agency : I have made numerous attempts to contact Equifax Credit Agency to rectify this issue and provide them with the necessary evidence to correct the inaccuracies on my credit report. Despite my efforts, they have not responded or taken any action to resolve this matter.

Impact on My Creditworthiness : The inaccuracies in this collection entry have had a severe negative impact on my credit score. This has made it exceedingly difficult for me to obtain credit, and secure reasonable interest rates, and has even hindered my ability to pursue housing and employment opportunities.

Violation of FDCPA and FCRA : I believe that the inaccuracies in this collection entry are in violation of FDCPA Section 804, which mandates fair and accurate debt collection practices, and FCRA Section 1681, which requires accurate reporting of consumer debts. Both laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I am well aware that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) mandate accurate and fair reporting of consumer debts. These laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I kindly request that the CFPB conduct a thorough investigation into this matter and take appropriate action to rectify the errors on my credit report. Additionally, I request that the corrected credit report be provided to me and to any relevant credit reporting agencies to ensure an accurate reflection of my financial history.
Consumer complaint received 2023-09-08
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On numerous occasions in the last two years I have worked with Equifax to gain access to my credit report. I have called them, certified mailed documents that include ( s ) my social security card and drivers license. However, I still have not gained access to my report and neither can borrowers. Today I spoke with Equifax, again, and they are telling me they have not received the documents I have mailed twice before and that I need to send them again. This is affecting my life.
Consumer complaint received 2022-12-07
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. (IL)

I have two inquiries on my transunion report on XX/XX/2022 from the same company XXXX XXXX. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for 30 days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws.
Consumer complaint received 2020-03-08
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (KY)

Pioneer Credit Recovery has been calling me multiple times in regards to my student loan. I am currently set up on a rehabilitation plan with them, which is paid automatically directly from my bank account. All payments are up to date and not in arrears. 

This company has contacted me multiple times a day at my place of employment, but never leave a message. 

My mom has received 7 phone calls during the week ending XXXX. She is not involved in the payment process for this loan at all. 

Pioneer Credit Recovery also called my sister in law 's brother on XXXX XX/XX/XXXX. He is merely a XXXX friend, and I have no idea how they found his phone number. He obviously has no involvement and his being contacted is inappropriate and unacceptable. 

I have received complaints of the above nature from other family members and acquaintances.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018, I received an email that my credit account ending in XXXX was late and the payment was due for {$230.00}. I am not sure why the payment I late as have it setup on reoccurring payments. Please review as I have never been late on my account before. I need for my account to be reviewed and If anything has been effected I need it to be corrected. As, I received a notification on XX/XX/2018, and I was never notified about any late payments prior too. I need any late fee or additional interest waived, and if any credit reporting has occurred removed.
Consumer complaint received 2023-09-08
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. (MA)

I checked my personal credit report, which I acquired from your organization and I noticed that this an unknown collection company is reporting in my consume credit file. 
I am contacting you about the compromising of my Social Security Number I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed a FTC Report XXXX : XXXX which is attached. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Good afternoon. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. I have good credit history with my credit cards and I have a debit card with one bank and Ive been having good history why is it still on my records if this wasnt my fault.
Consumer complaint received 2023-04-07
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. (OH)

My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my report.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OH)

The US BANK placed an hard hold on my accounts and havent allow me to access my accounts and this caused me to lose a lot of my clients and have caused me issues recently in the past. They keep shutting my accounts down when I get a big deposit or deposit a check and this is causing me to not be able to get bills paid and expenses taken care of.
Consumer complaint received 2023-09-08
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. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a significant error on my credit report, which pertains to late payments. I believe that this error is in violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my creditworthiness. 
Below, I outline the details of the issue : Description of the Error : On XX/XX/2023, I obtained a copy of my credit report from My annual Credit Report and discovered an error in the reporting of late payments on my credit history. Specifically, the report indicates that I made late payments on XXXX XXXX for the months of XX/XX/2023 when, in fact, I have a documented record of making all payments on time during this period. All this payments were initiated before the due dates in XXXX  but posted late due to USPS delays.

Evidence of Timely Payments : I have attached copies of bank statements, receipts, and other relevant documentation that clearly demonstrate my consistent and timely payments for the mentioned months. 
Contact with the Creditor : I have also contacted XXXX XXXX ] regarding this issue and provided them with the necessary evidence to rectify the error. However, despite multiple attempts, they have failed to correct the inaccurate information on my credit report.

Impact on My Credit Score : This erroneous late payment information has significantly impacted my credit score. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and even encountered challenges in housing and employment applications.

I believe that this error is in violation of the FCRA, which requires credit reporting agencies and creditors to provide accurate and up-to-date information on consumers ' credit reports. It is my understanding that the FCRA also mandates that consumers have the right to dispute and correct inaccuracies on their credit reports.

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action to rectify the error on my credit report, as well as hold the responsible parties accountable for any violations of the FCRA. I also request that my corrected credit report be provided to me, as well as any other affected parties. 
Please find attached copies of the relevant documentation to support my complaint. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 
Thank you for your time and consideration.
Consumer complaint received 2022-12-07
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. (MA)

This is a complaint against the timeshare company XXXX XXXX. I spoke with their employees, one named XXXX XXXX who introduced himself other than a salesperson and is not working on commission. They enticed me by starting with telling me that I am making a good financial investment. I was offered gifts such as using my points to their hotels. They took my ID during the whole process. I felt pressured when I was told that they needed " '' corporate approval '' '' in order to grant me the deal and that it was my last chance at the lowest price being offered. They lied telling me I will never have to pay maintenance fees again. Lied about earning money from the timeshare such as rental income. They also said I can earn from it by renting it out or reselling it as the resale value would go up. They told me about having some tax benefits similar to owning a second home. Promised things would be positively different each time things just got worse. Everything felt rushed as they did not give me enough time to read and understand the contract. I was not even made aware of their cancellation process like how many days to cancel and such. I asked them about the cancellation and I was told no cancellation. Having this timeshare has just been very problematic for me to the point that I even lose sleep, we experience financial difficulties etc. This has caused us lots of stress due to the problems and issues caused by this timeshare. I was defrauded, scammed & victimized by their predatory sales tactics. This is clearly unlawful deceptive sales and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.
Consumer complaint received 2024-03-12
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. (LA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX and 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 2023-09-08
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. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a significant error on my credit report, which pertains to late payments. I believe that this error is in violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my creditworthiness. 
Below, I outline the details of the issue : Description of the Error : On XX/XX/2023, I obtained a copy of my credit report from My annual Credit Report and discovered an error in the reporting of late payments on my credit history. Specifically, the report indicates that I made late payments on XXXX XXXX for the months of XX/XX/2023 when, in fact, I have a documented record of making all payments on time during this period. All this payments were initiated before the due dates in XXXX  but posted late due to USPS delays. 
Evidence of Timely Payments : I have attached copies of bank statements, receipts, and other relevant documentation that clearly demonstrate my consistent and timely payments for the mentioned months. 
Contact with the Creditor : I have also contacted XXXX XXXX ] regarding this issue and provided them with the necessary evidence to rectify the error. However, despite multiple attempts, they have failed to correct the inaccurate information on my credit report.

Impact on My Credit Score : This erroneous late payment information has significantly impacted my credit score. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and even encountered challenges in housing and employment applications.

I believe that this error is in violation of the FCRA, which requires credit reporting agencies and creditors to provide accurate and up-to-date information on consumers ' credit reports. It is my understanding that the FCRA also mandates that consumers have the right to dispute and correct inaccuracies on their credit reports.

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action to rectify the error on my credit report, as well as hold the responsible parties accountable for any violations of the FCRA. I also request that my corrected credit report be provided to me, as well as any other affected parties.

Please find attached copies of the relevant documentation to support my complaint. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 
Thank you for your time and consideration.
Consumer complaint received 2020-03-08
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

ON XXXX 2022 I DID NOT GIVE AUTHORIZATION TO CAPITAL ONE AUTO FINANCE TO RUN MY CREDIT. I DID NOT APPLY FOR NO AUTO LOAN WITH THEM, HAVE NO OPEN OR CLOSE AUTO ACCOUNTS WITH THIS COMPANY.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer report and noticed a fraudulent account and fraudulent inquiries being reported. The fraudulent account that was being reported is XXXX account number XXXX. The fraudulent inquiries that are being reported arXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX