davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
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: Early Warning Services, LLC (CA)

I REVIEWED MY EARLY WARNINGS REPORT AND I NOTICED SOME DISCREPANCIES ON MY REPORT AND I WOULD LIKE FOR THEM TO BE REMOVED FROM MY REPORT IMMEDIATELY. SEE ATTACHMENTS FOR REFERENCE AS IT CONTAINS SENSITIVE INFORMATION
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

I recently filed a fraud claim against Navy Federal because someone had masked their number and called me claiming there was fraud on my account, gained access to my account and was able to take {$2700.00} from my account ( which was everything that I had in my account ). I filed a report through local XXXX XXXX police, the FTC, the local FBI office, and obviously Navy Federal, themselves. They put a credit of the full amount back into my account while they did their investigation, but denied my claim and said that there was no fraudulent activity. This morning, {$2700.00} was taken out of my account, leaving me with a balance of - {$1300.00} with no way of appealing my case. I'm afraid there's no way of getting my hard-earned money back and as a XXXX old woman, it's hard to ask your parents for help, especially with a lump sum that high. I've taken every avenue possible to try and resolve this issue, whether it is getting my money back or just simply filing a report on Navy Federal for not taking care of their customers. I'm not sure if you're even able to help me, but I refuse to accept that this is how this situation is going to be handled and end this way.
Consumer complaint received 2020-09-28
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: Bread Financial Holdings, Inc. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX XXXX XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-03-05
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my Transunion consumer report and it shows jutiple soft inquires from multiple companies. I never gave these companies authorization to get accessed of my report. And Transunion is suppose to ask for proof to the companies of my written authorization allowing them to go to Transunion and received the copy of my report. And just because it is a a soft inquiry and doesnt affect my score or is only showned by me doesnt explain the fact that Transunion allowed these companies to access my report without obtaining proof from the listed companies of my written authorization.
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MS)

On XXXX XXXX I contacted XXXX XXXX XXXX concerning a last bill that they say I owe in the amount of XXXX in which I asked for a breakdown and the reason why I was being charged this amount. I had no phone service for months and was not being charged a bill other than my cell phone bill. After not having service I then cancelled shortly after cancelling I then later received a final bill.
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (NY)

My lease was up in XX/XX/2021, so in XXXX I contacted my dealership/salesman to start looking for a new vehicle to lease. Well, I was told that due to supply and demand, there were no XXXX vehicles available that I was looking for. We looked outside the area I lived, and still nothing within a XXXX mile radius. My salesman said due to supply & demand and XXXX having to shut down due to COVID, there was nothing he could do for me. Apparently, it was so bad, people were calling and paying with their debit card over the phone and putting down-payments on a vehicle they had never seen, just to ensure they get something. Either way, I looked for months, and I was just being told the same thing. No vehicles, nothing in my price range, and even to get another XXXX ( which they also didn't have ) my payment would double due to the supply and demand of the SUV 's. {$600.00} a month for a XXXX, that I didn't love, was not feasible for me. The end result was ME paying off the loan in FULL and having to go to a different dealership/auto maker, due to no fault of my own. And now XXXX is trying to charge me {$420.00} as a 'disposition fee ' for not leasing another XXXX vehicle! Why should I have to pay this fee, when the reason I couldn't get a vehicle was due to their shutdown and COVID? This is not my problem, and it's already listed on my credit report. I called them direct and was told they don't waive this fee as a courtesy? This isn't a courtesy. If I chose to not lease through XXXX, this would be another story. I also filed a complaint with the XXXX which, they apparently felt they didn't need to respond to.
Consumer complaint received 2021-01-11
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. (MD)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. On XX/XX/2024, I provided adequate notice to the Consumer Reporting Agencies ( XXXX, Equifax and XXXX ) that information in my consumer file such as false names addresses and my non public information needed to be deleted and removed from my consumer report. I only have 1 name 1 address that i receive information. I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX North Carolina Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX These inaccuracies has to stop, you are causing me embarrassment and impeding my right to fairness. DELETE IT NOW
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

I have sent several letters in the past 2 months to all three credit bureaus to try and get rid of inaccurate information off of my credit report I should only have 2 addresses reporting on my credit report XXXX XXXX XXXX XXXX IA XXXX and XXXX XXXX XXXX XXXX XXXX mo XXXX I do not receive any us mail at any other addresses which makes them inaccurate that is someone else 's address reporting to my credit report and they keep saying there is nothing I can do to remove the address but according to the law I read they can not report inaccurate address
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a serious matter concerning the inaccurate reporting of charge offs and the unauthorized furnishing of my personal information by XXXX, Equifax, and XXXX on my credit reports. I believe that their actions are in violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681i ( 5 ), 15 USC 1681a ( 2 ) ( b ), and 15 USC 1666b. I would like to address the issue of inaccurate charge offs being reported by XXXX, Equifax, and XXXX. Upon reviewing my credit reports, I have noticed discrepancies in the dates of opening and closing of these accounts. These inaccuracies not only misrepresent my credit history but also have a significant impact on my overall creditworthiness. I believe that this violates my rights under the FCRA, specifically under section 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must investigate and correct inaccurate information upon receiving a dispute which has not been done for years of disputes. I have reason to believe that XXXX, Equifax, and XXXX have been reporting this information without my written consent, as required by section 15 USC 1681a ( 2 ) ( b ) of the FCRA. I have never provided explicit authorization for the furnishing of my personal information to these agencies and their actions are in direct violation of my rights.

According to section 15 USC 1666b of the FCRA, any person who willfully fails to comply with any requirement imposed by the FCRA may be subject to civil liability, including actual damages, punitive damages, and attorney 's fees. I kindly request that you investigate this matter thoroughly and hold XXXX, Equifax, and XXXX accountable for their actions. The violations mentioned above, I kindly request that you take the necessary steps to remove these inaccurate charge offs from my credit reports. I expect that appropriate fines and penalties be imposed upon XXXX, Equifax, and XXXX for their non-compliance with the FCRA. I look forward to receiving a prompt response and resolution to this dispute. 

Accounts XXXX XXXX XXXX XXXX {$970.00} Reporting inaccurately- Please Delete XXXX XXXX Reporting inaccurately no acknowledgment of this account- Please Delete XXXX XXXX- Reporting inaccurately- Please delete XXXX XXXX XXXX XXXX Reporting inaccurately {$0.00} ( Sold ) still reporting with inaccurate reporting dates and closing date. Please delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccurately XXXX XXXX Reporting inaccurately XXXX XXXX XXXX {$200.00} Reporting inaccurately
Consumer complaint received 2023-05-26
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. (NY)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-05-26
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. (IL)

ubject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX I am well aware of my rights under the FCRA XXXX which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor.

Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature.

Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account.

Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information.

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights. I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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. (ME)

In accordance with the Fair Credit Reporting act. The List ot 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 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 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I mailed certified letters to XXXX, Equifax, and XXXX stating that the information that they are reporting is not accurate and the information that they are reporting is error. Like my Name, Address, Late Payments, and Closed accounts, the consumer reporting agencies said that the accounts were accurate. the law says 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.ALSO 15 U.S Code 1681a ( 5 ) ( A ) ( i ) ( ii ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-03-05
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.