davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-22
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)

XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from 3 places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, XXXX removed it, XXXX has been giving us the run around. Experian removed it for us no problem. 
We sent a letter to all 3, matter of fact it was the same documents, XXXX admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX of columbia, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported two negative accounts XXXX  I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX to XXXX when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...
Consumer complaint received 2019-11-26
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)

I was denied from opening a credit card at XXXX XXXX XXXX today XX/XX/19 because there are accounts with negative history on my credit report. None of those accounts belongs to me nor did I give anyone permission to open those accounts on my behalf. I have never had any contract or agreement with any of those companies and I did not allow them to run or view my credit. I did not benefit anything from these accounts such as money, goods or any other benefit and I did not make any payments or purchases towards these accounts. I filed a police report regarding this matter.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-12-13
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. (NY)

I sent letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2022-12-13
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. (NH)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Summary : Equifax credit bureau has placed an extended fraud alert on my credit file without my knowledge or consent and has not listed my current phone number for creditors to contact me to verify my information. I am currently trying to apply for credit and have been advised that Equifax has an extended alert on my credit file. I was told that until Equifax removes alert or adds a phone number, my applications have been denied.

In XX/XX/XXXX, an Equifax representative told me that I have two credit files under my social security number which is why I have difficulty ordering Equifax reports online. The rep stated one file showed I had an existing mortgage loan. I confirmed that I did not have a mortgage loan, and I was transferred to Equifax fraud department. A rep in the fraud dept stated he only could see one file.

In XX/XX/XXXXand XX/XX/XXXX, I tried again ordering Equifax report online and was asked the same 4 questions about a mortgage loan and a department store card. I answered the questions accurately and again I was denied online report. I called Equifax again and complained, and was told that I only have one credit file. No one could tell me why I was unable to get report online.

On XX/XX/XXXX I applied for two credit cards online.On XX/XX/XXXX I tried getting Equifax report from Equifax website. I was asked the same questions regarding a mortgage loan. I was denied my Equifax report. On XX/XX/XXXX, I called Equifax and explained my situation again. The rep assured me I only had one credit file and he confirmed the same information I gave in XX/XX/XXXX.

On XX/XX/XXXX I was denied credit because Equifax has an extended fraud alert on my credit file and there is no listed phone number for a creditor to contact me to verify my identity. On XX/XX/XXXX, I contacted Equifax 3 times. The first call at XXXXEST, the rep verified my identity and assured me that my credit file was open and there was no active fraud alert. I called the credit card companies back and spoke with their fraud dept. I was told again that Equifax was the only credit bureau that had the extended alert and because they have no phone number listed my application could not be processed. At XXXX   EST, I called Equifax back and asked for a supervisor, I was transferred to a automated voicemail that asked me to enter my password. At XXXX, I called Equifax back, I spoke with a supervisor that asked me questions I did not understand. I felt like she was giving me " the run around ''. I told the supervisor that this made no sense. An unauthorized alert was placed on my account which is causing me grief. I verified my phone number with every Equifax rep I have spoken with in XX/XX/XXXXand XX/XX/XXXX, yet no phone number was added to the unauthorized alert.
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-06-12
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)

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-12-03
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. (KS)

I contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, Equifax ( who runs private servers on the open internet with admin and password123 leaving millions of Americans private information exposed including my own ) and XXXX  are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian  Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.
Consumer complaint received 2024-03-15
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. (IN)

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 NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-06-12
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. (MO)

I hope this letter finds you well. I am writing to dispute and request the removal of unauthorized hard inquiries from my credit report. As a vigilant consumer, I recently reviewed my credit report and discovered several hard inquiries that were not authorized by me. 

The unauthorized inquiries were made without my knowledge or consent. I have never applied for credit, services, or products with this company, making these inquiries both unauthorized and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and legitimacy of the information listed on consumers ' credit reports and remove them from my credit report immediately. 

In addition, I would appreciate receiving a written confirmation once the unauthorized hard inquiries have been removed from my credit report. This confirmation should include an updated copy of my credit report reflecting the changes made. 

Please note that I have also sent a copy of this letter, along with the attached documentation, to the respective company or organization responsible for the unauthorized inquiries. 

I trust in your ability to address this matter promptly and efficiently. I appreciate your attention to this issue and your cooperation in resolving it. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-12-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Santander Consumer USA Holdings Inc. (CA)

Went in for their XXXX special on XXXX  XXXX XXXX. After speaking to the sales team, We decided to do a few trades which was recommended based on my needs. Since the XXXX is a XXXX  and truck, I no longer needed my XXXX or XXXX truck. The dealer 's sales team agreed to take both of my cars as trade. They asked for my information and information regarding every car. I myself also checked and it was agreed as them paying off my truck at what was owed and my XXXX  which had a balance of XXXX. Everything was done in writing and I agreed with their terms. I signed my paper work and left the dealer with my new vehicle. Two weeks later they demanded over {$4000.00} as they wrote a different about for my payoff. A traditional yo yo financing scam which I later found out. After being upset for a few days, I wrote a bad XXXX  review and they agreed to stand behind their dealer after they found out that I had contacted XXXX and had Prof that the payoff amount was given to them on the XX/XX/XXXX and I also had it in writing from the sales team. This was very unethical business practice and I know many have been ripped off my the dealer ship and the manager in charge.
Consumer complaint received 2019-12-03
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. (KS)

I contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XX/XX/2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and Transunion are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.