davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
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: FORD MOTOR CREDIT CO. (TX)

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), Ford Credit ( never authorized ), XXXX Ford ( never authorized ), XXXX Ford ( never authorized ), Credit Human ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a XXXX hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance XXXX pulled the credit with XXXX unauthorized institutions instead of pulling with the only XXXX instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX   XXXX {$510.00} XXXX/XXXX  XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; T XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; 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 BANK XXXX .... Balance XXXX {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX OF XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX FINANCIA XX/XX/2021 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-01
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: ID Analytics, Inc. (OH)

They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.
Consumer complaint received 2020-04-01
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: Innovis (OH)

They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.
Consumer complaint received 2024-02-25
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)

RE : ( XXXX  XXXX CREDIT CARD ) ACCOUNT # XXXX ( OPEN DATE : XX/XX/XXXX ) AMOUNT {$8400.00} To Whom It May Concern ; I disputed the referenced accounts above on XX/XX/XXXX. My credit report shows these item were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, procedures in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph. 
is reinserted in the file, the consumer reporting agency shall notify the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information, As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report THIS ACCOUNT IS ALSO REPORTING C/O MONTHLY WHICH IS FURTHER RE-AGING MY ACCOUNT TO A FRESH CHARGE OFF CAUSING MAJOR DAMAGE TO MY CREDIT SCORE THIS IS DEFAMATION OF CHARACTER RE-DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

I have been on the phone for over 2 hours today and every day trying to get this issue resolved with Citibank. I have a XXXX credit card that was with XXXX XXXX  and was transferred to Citi. I have been paying Citi, never missed a payment, paid over the amount and even have a recent statement on XXXX with a due date of XX/XX/XXXX. 

All of the sudden Citi charges off my account. I tried making a payment online and it reflects that I cant. I called customer service who referred me to the charged off group. They are closed due to the pandemic. 

The customer care rep was able to tell me it was charged off due to my bankruptcy that I filed in XX/XX/XXXX and was discharged in XX/XX/XXXX but I DIDNT GET THE CREDIT CARD UNTIL AFTER THAT!! I got the card in XX/XX/XXXX with XXXX  XXXX. In XX/XX/XXXX the account was transferred to Citibank. By Mid XXXX Citi closed the account without any warning or reasoning. Then when I try to contact this department I can not get ANY ANSWERS. 

This account was paid on time and I even paid OVER the minimum payment required. All I want to do is pay my bill. Then charging it off will negatively affect my credit which should not happen and not just my credit but my authorized user!
Consumer complaint received 2020-03-22
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. (WA)

he Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 

underage with XXXX XXXX XXXX RENTDEBT AUTOMATED COL The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. 

XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that SHOP YOUR WAY is in violation of 1006.30 ( e )
Consumer complaint received 2020-03-22
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: LEXISNEXIS (WI)

XX/XX/2020 Lexis Nexis was contacted on how they verified a bankruptcy on they they reported to all 3 major credit bureaus and have yet to provide me with the requested information.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

When correcting my Experian credit report. 
I am unable to remove my XXXX auto loan off my report after refinancing it The dispute page says that i already disputed one, and my dispute can't be submitted. 
I uploaded a letter that my loan is paid off. But the old balance of my loan is still displayed. And i have two loans on my report. 
Also, i emailed the XXXX XXXX about it. But they have not replied yet.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (TX)

I opened an American Express Business Checking account under a promotion ( https : //www.americanexpress.com/en-us/business/checking/ ) that would pay me XXXX points after opening, depositing {$5000.00} and maintaining that balance for 60 days, and doing 10 transactions. 

I completed all of the terms, but the points were never delivered. 

I want the company to honor the promotion and deliver the points, and additionally give me treble damages of an additional XXXX points as a result of their misleading, deceptive and predatory practices of offering rewards and incentives and not following thru even when customers complete all terms of the deal.
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Please delete these accounts off my credit report XXXX. I have submitted disputes. These accounts are more than 7 years old. I received 1099_C for these debts and now have a tax bill for these debts. 


1. USAA FEDERAL SAVINGS B {$5000.00} Paid, closed 68 charge-offs 2. USAA FEDERAL SAVINGS B {$0.00} Paid, closed 22 charge-offs 3. USAA FEDERAL SAVINGS B {$0.00} Paid, closed Exceptional payment history 4. USAA FEDERAL SAVINGS B {$0.00} Paid, closed Exceptional payment history 5. USAA FEDERAL SAVINGS B {$26000.00} Paid, closed 71 charge-offs
Consumer complaint received 2020-04-01
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. (FL)

I believe I have been victimized by identity thieves and they have stolen my whole identity. I don't check or use my credit often but my son checked it for me and saw it was completely destroyed. When he showed me all the accounts that were reporting as belonging to me I nearly croaked. Please help me get to the bottom off this and rectify this more than serious matter. These are hard time and I could use the help with my credit to buy groceries and basic necessities now that we are no longer working. Please help us. Thank you.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Accepted a 0 % APR FOR 15 months on balance transfers and purchases. The paperwork and card came in the mail with 0 % APR for 15 months on balance transfers and purchases. Called Capital One on XX/XX/XXXX and talked to agent to do balance transfer, was told I did not have a balance transfer offer. I could purchase with a 0 % APR for 15 months, but not do a balance transfer.
Consumer complaint received 2023-02-28
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: DISCOVER BANK (MA)

CFPB WRITE UP In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

45.3K
Consumer complaint received 2020-03-22
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 RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.
Consumer complaint received 2020-04-01
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. (TN)

I attempted to dispute the items below via Eqifax 's dispute site however the page does not successfully load ( see screenshot ). Per the FCRA I have the right to dispute incomplete or inaccurate information. My Equifax credit file # XXXX shows combined/duplicate trade lines for XXXX # XXXX with a past due of {$180.00} and XXXX XXXX # XXXX also with a past due of {$180.00}. Both trade lines show the same address and phone # of XXXX XXXX XXXX XXXX, WI-XXXX ( XXXX ) XXXX. It is clear that the two referenced trade lines are both inaccurate information and per the FCRA must be deleted from my credit report. In addition the XXXX XXXX trade line is outdated and has been removed from my XXXX and XXXX  reports via FCRA guidelines which states " Consumer reporting agencies may not report outdated negative information. '' These trade lines continue to be reported which is a violation of the FCRA. Please delete both trade lines immediately. My passport info included to confirm my identity.
Consumer complaint received 2020-03-22
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. (FL)

I recently was trying to obtain an account and checked my full credit report. At that time I saw debts that do not belong to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account numbers XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I have several inquires I never applied for account with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX