davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

I see a Closed account from XXXX on my credit report and I never used XXXX before it was fraud and need this closed account from XXXX to get removed from my account
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX 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 2023-10-05
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. (PA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX 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 2023-10-05
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. (KS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX  XXXX  Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # 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 a account without my written instructions
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00} ; XXXX  XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX CT XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX  Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX  Requested XXXX XX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2020-08-31
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: TD BANK US HOLDING COMPANY (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We wrote a check to XXXX XXXX for {$950.00}. Someone got the check and changed the name to XXXX XXXX and the amount to {$18000.00}, and cashed the check. 

The check was cashed on XX/XX/22 by Bank of America, I bank with XXXX XXXX. We have been requesting return of money for 3 months now, and nothing. 

copies of the checks attached This is Bank of America 's case number XXXX.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 

Negative Accounts XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  Account XXXX : XXXX XXXX. XXXX & XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (FL)

In regards to three accounts on the credit report,1. NETCREDIT, 2. XXXX 3. XXXX XXXX, In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 - states I have a right to privacy.

Under 15USC Section 81 Section 604A section 2, It states that a consumer reporting agency can not reporting agency can not furnish a account without my written consent.

Under 15USC Section 1666B A creditor may not treat a payment on a credit card under an open consumer account as late under any circumstances Thanks and best regards, XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYTEMS INC sent me a letter via USPS stating that their company is trying to collect debt of {$47.00} that they allege I owe to XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have contacted XXXX XXXX XXXX  who has no knowledge of it either. 

Thanks for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2024-04-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (CA)

When inquiring to buy a car from car dealership named XXXX XXXX XXXX informed me and found a loan from CREDIT ACCEPTANCE XXXX XXXX, they have used my name and social security with a fraudulent Loan with a reference XXXX XXXXXXXX for a XXXX  XXXX, a car I DO NOT OWN & never have business with them. 

Please direct me and help me with this violation, identity theft and scam. 

Thank you for time and attention, XXXX XXXX Ph : XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-06
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account # XXXX
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Carvana Group, LLC (FL)

I have filled out my consumer credit application with CARVANA for a 2022 XXXX XXXX after receiving an email to go ahead and see my offer, I have encountered a big issue. I have been told that in order to complete the consumer credit transaction/order I need to pay {$5800.00} this is for a financed vehicle that will be used for household and personal purposes. I reached out to CARVANA via their chat and I was told in order to get to the underwritting department I would have to complete the order. Not only is CARVANA customer service not helpful, but CARVANA is in violation of my consumer rights. I provided the customer service rep " XXXX '' with 12 CFR 1026.4 so she would understand my questioning of such amounts but ultimately after an hour no resolution other than having to place the order. Ia m still without a response and without being able to acquire the car. I would like for CARVANA to complete the transaction with all of their fees and " down payment '' added correctly as per 12 CFR 1026.4 so I may go and pick up the car. I also want to stress out that XXXX says insurance, service fees, dealership fees, are part of finance charge, as such said transaction should be XXXX out of pocket for me to pick up this car. Denial of acces to my credit would be discriminiation per Equal Credit Opportunity Act and Carvana withholding my access to my credit and securities would be considered securities fraud.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I friend gave me a check drawn on his account at Bank of America When I went to cash the check, I was told that if I was not a B of A customer, their policy was to charge an {$8.00} fee to cash it. 

I am under the impression that if someone issues a draft or a check on his account, the back is required to honor and cash it, subject to identity verification, etc. 
Does the XXXX XXXX XXXX allow such a fee as described above?
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payments due XXXX XXXX and XX/XX/XXXX. The payment was not delivered on time and each time I was assessed a {$50.00} late fee by my landlord. The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. On XX/XX/XXXX I sent a message to the bank with the details of the missing payments, copies of statements showing the late fees charged, and a copy of the lease showing the payment due date. On XX/XX/XXXX the bank sent a message back saying that I should expect a substantive response within XXXX hours. I did not hear back from the bank until over XXXX weeks later, though on XX/XX/XXXX a single {$50.00} refund posted to the account. On XX/XX/XXXX I spoke to a representative and clarified that there was still XXXX additional {$50.00} payment missing. On XX/XX/XXXX I called back and the representative said that the case had been earlier closed, and who claimed to reopen it. On XX/XX/XXXX I called again and a representative told me that the case was open but with no ETA and no update. On XX/XX/XXXX, now XXXX months after the initial request, I called again and the representative told me the case had been closed in XXXX and never reopened. Given the runaround and broken promises on this case, I am escalating this issue to the CFPB. The reference number for this issue provided by the bank is XXXX.
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (CA)

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 Account name ( XXXX XXXX XXXX : # XXXX XXXX XXXX account ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection bureau of a 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 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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 Account name XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX account ( XXXX XXXX ) Account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX collection bureau of a 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 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CO)

The balance on the credit cards have been reduced. 
The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage. If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score..
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

This is a violation of 15 U.S.C 1681 eb This is a hinderance to my credit report this is inaccurate and I would like it to be removed. 

I have attched file uploads to show the inquirees I have received from improper use of my credit report! I have uploaded pictures of the open accounts that I use to show you that the inquires that was made on my credit report was not from me!
Consumer complaint received 2024-04-11
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: LEXISNEXIS (GA)

Dear CFPB, I am reaching out to address a serious concern of identity theft related to an account opened under my name with XXXX XXXX XXXX on XX/XX/2017. Despite submitting substantial evidence, including a police report, message screenshots, my credit file, drivers license, social security card, and an XXXX dispute confirmation, my repeated requests for information from your company have been overlooked over the years. 

This lack of response is not only disrespectful but also a violation of my consumer rights. The documents I have provided clearly demonstrate that the account was fraudulently established without my consent. 

I urgently request that XXXX XXXX XXXX act immediately to investigate this matter and provide a detailed response that recognizes the gravity of this identity theft and outlines the steps you will take to rectify the issue. 

Sincerely, XXXX XXXX XXXX