davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

This was unauthorized and i have no knowledge of account, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 sw 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 should 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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with XXXX, Equifax and XXXX. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to XXXX, Equifax and XXXX failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. Thank You.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with XXXX, XXXX and Transunion. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to XXXX, XXXX and Transunion failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. Thank You.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (TX)

Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. 

Please delete the following employers as I have never worked there XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please delete the following inquiries as I didn't authorize these : 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 2023-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

I am an investor, invistef my {$700.00} with a company called coinbase, and always they put ristrictions on my account, and hold my money. 
I need my money to be available for cash out, because they hold my money for long time, which makes me lose the chance to buy crypto bad make money. 
I can't keep it like this, so I need them to release my money, so I could use other trading vompsy to buy crypto
Consumer complaint received 2023-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding a recent interaction I had with XXXX of your representatives, XXXX XXXX XXXX. This communication pertains to issues concerning the misrepresentation of TransUnion and a refusal to comply with my requests under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I engaged in a conversation with XXXX XXXX, during which he claimed to represent TransUnion and implied that he was an official representative of the credit bureau. However, subsequent research has revealed that this representation was inaccurate, and I have reason to believe that XXXX XXXX 's actions were deceptive. 

Furthermore, I had contacted XXXX XXXX to request information in accordance with the FCRA, specifically under the provisions of XXXX XXXX Code XXXX regarding procedures in the case of disputed accuracy. During our conversation on XX/XX/2023, XXXX XXXX refused to provide the requested information, specifically : XXXX. **The business name and address of any furnisher of information contacted : ** I expected this information in accordance with the FCRA provisions to assist in resolving disputes related to the accuracy of my credit report. 

Additionally, I had reported to XXXX XXXX that I am a victim of identity theft. According to 15 U.S. Code 1681i, a consumer reporting agency is obligated to remove information resulting from alleged identity theft upon receiving appropriate proof of identity, an identity theft report, identification of the information in dispute, and a statement that the information is not related to any transaction by the consumer. Despite my identification as a victim of identity theft and the provision of necessary documentation, this information has not been addressed or removed from my consumer report. 

I am deeply concerned about the misrepresentation of TransUnion, the refusal to provide essential information in compliance with federal law, and the failure to address the identity theft-related issues promptly. 

I kindly request that TransUnion thoroughly investigate this matter, take appropriate action to address these concerns, and provide a written response outlining the steps taken to rectify the situation. Please ensure that my credit report is updated in accordance with the FCRA and that the misleading actions of your representative are addressed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


FRAUD ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-23
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. (IL)

XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on my credit report
Consumer complaint received 2022-12-08
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. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on my credit report
Consumer complaint received 2023-08-23
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

To whom it may concern I XXXX XXXX went to the bank to withdraw funds from my savings account and was told I needed my XXXX parent XXXX XXXX which the XXXX was initially XXXX XXXX who is deceased XXXX was never appointed the XXXX of my account I am not minor and should be able to with draw the money from my account according to the XXXX XXXX XXXX bank has my Drivers license and phone number on file they said I could come and withdraw at any time now they saying I cant unless my mother is with me they sent the letter to my grandmas old house which was in XXXX and none of my family live there and I live in Georgia so why are they sending information to wrong address and contradicting what they first letter say I am asking you to look further into the bank and the XXXX  laws because XXXX bank has been Miss leading us for so many years regarding this account they dont have the Wright to withhold bank information from me about the interest rate because when my grandmother passed the rate was much higher than they are stating and want to only state the rate after she passed I have tried to withdraw the same month she passed in 2004 when the rate was higher please advise whats next steps I can take with XXXX bank and can you please review first complaint and respond they gave you. 
Thank you XXXX XXXX.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX never provided a SINGLE thingnot one nights stay, bonus etc for the money they took from us and they failed to do anything to rectify that-they continued to ask for payments to be made for absolutely nothing. When we tried to end the contract that they have used to extract money from us for nothing, they refused. We then filed complaints with Florida authorities and sought legal help. They have defrauded us of $ XXXX and they continue to want every XXXX they can possibly get under the timeshare contract. XXXX does not want to provide anything or honor any contract terms that they are supposed to and yet they want to use their contracts to extract as much as possible from their victims ( owners )
Consumer complaint received 2023-08-23
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)

Credit inquiry on XX/XX/XXXX was made by XXXX XXXX without any consent from myself. I believe data that was used from a request that I did approve on XX/XX/XXXX was reused on XX/XX/XXXX to get a new version of the credit report.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( 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 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 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MO)

Description : On XXXX XXXX, I received a call from someone who announced themselves as regions bank. They said that they were calling to verify suspected fraudulent charges currently being attempted in XXXX XXXX XXXX. I live in XXXX XXXXXXXX XXXX  and at the time was on vacation in XXXX XXXX  with my kids. I asked them to verify who they were... so they sent me a text from regions. The text came and they asked me to verbally verify the code. The next morning I noticed {$4500.00} was taken out of my checking account. I contact the bank an create a fraud complaint. They ended their investigation and gave me word yesterday that they are not giving me my money back. That this is a ach dispute. The assailant had all of my personal information and created a direct deposit. But it just says ach for the destination. " Therefore there is nothing they can do. ''
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

There were fraudulent charges on this account, which I resolved with the bank. The account is reporting a late payment/ delinquent, which is incorrect information. I have always made my payments on time and this inaccurate information is NEGATIVELY affecting my credit score.
Consumer complaint received 2023-08-23
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. (SC)

XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # 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 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. 
XXXX
Consumer complaint received 2015-12-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am being assessed a {$10.00} fee for paying my mortgage on the XXXX of the month. I am making my payments online through the mortgage site. There is a {$19.00} fee for contacting the mortgage directly. Is this legal?
Consumer complaint received 2023-08-23
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. (SC)

XXXX 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 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 XXXXXXXX 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. 
XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (IL)

To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-23
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. (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.

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 inructions 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 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In according 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 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 2022-12-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Credit Card AUTO CLOSED one of my credit cards that I havent been using in the last 3 years which dropped my score by XXXX points! I have over 14 years of credit history, NEVER late on any payments, no NSFs. XXXX cs. Now it dropped to FAIR because XXXX XXXX classes my account, not me!