davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
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. (KS)

Comenitycapital has inaccurate reporting on my credit report - payment history reporting charges off every month or the credit reports- Balance not at zero still showing a balance of XXXX ( attachment filed in this complaint ) - Have reached out to the company that the account was opened without my knowledge while I was overseas in the combat zone According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reported 100 % Accurate. 

And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List the Accounts Comenitycapital
Consumer complaint received 2019-01-20
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. (MO)

I have accounts that's reporting on my credit report inwhich I have absolutely no knowledge of and respectfully requesting that they be blocked due to them obviously being someone else 's. And in accordance with the FCRA law, I'm requesting physical documentation with dates and signatures to collaborate what the agencies are reporting. So what I'm saying here is that I have no contract with the following companies ( 1 ) XXXX XXXX XXXX for {$120.00}, {$120.00}, {$1000.00} ( 2 ) XXXX XXXX XXXX, {$1000.00} ( 3 ) XXXX   XXXX XXXX, {$920.00} Please Block All the above accounts or send me physical documentation of such.
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AVANTE (PA)

On XX/XX/XXXX I received a letter from Avante USA stating I owed a debt with the letter head date of XX/XX/XXXX. On XX/XX/XXXX Avante added a negative report on my credit report between the dates of XXXX XXXX XX/XX/XXXX. I had thirty days to dispute the validity of this debt and the thirty days are not up. Avante reported the account as open on XX/XX/XXXX on my credit report and I never opened an account with them or made payment arrangements with them. If I did owe the debt Avante is illegally re-againg a debt. On XX/XX/XXXX it would be seven years as the paperwork says service date was XX/XX/XXXX and Avante is trying to re-age the debt. The original creditor is not on my credit report as I can see.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (TX)

On XX/XX/2022, I was in XXXX when I was forcefully removed from my truck by four men with assault rifles who threatened to kill me if I did not hand over my truck. I completed a police report with the help of an attorney in the city of XXXX, but the only outcome was that the corrupt attorney actually gave the truck keys to the person who leads a local XXXX. 

The XXXX authorities have since reported seeing my truck, yet have been unable to recover it. The police stated that they know where the truck is parked at nighttime. However, they are afraid to obtain the truck from these tyrants. I realize that this sounds like a bad tv show, but its real life. I have contacted XXXX XXXX XXXX to cover the stolen car, but they will not cover it. I then called Ford and asked them for help with this loan gave them details about my incident. They cannont reposess my vehicle because the vehicle cannont be obtained by anyone ; including myself. Yet they are holding me financially responsible for the truck payment to the tune of XXXX, XXXX. Before this event, my XXXX  scores were in the high 800s. Now they are in the low 600s and Ford will not agree to stop placing late payments on my report. I contacted a person at Ford who stated that if I began making payments monthly, they would remove negative information from my report to help increase my scores. But they also stated that I would be held accountable for the full XXXX and that they would NOT work with me by ceasing to report active late payments on my credit. I have since discovered that even if I DO agree to pay for a vehicle I do not owe, those payments will not increase my credit scores if there are active new late payments being reported. I have contacted a Non Profit HUD counseling center, who has encouraged me to file this CFPB complaint. 

This has become a hardship for me and I feel heavily discriminated against. I own a business, and I have never been one to default on my financial obligations. Per the Fair Credit Reporting Act, I believe that I have the right to require FAIR and accurate credit reporting. I believe that FORD has the responsibility to demonstrate consumer fairness and provide accurate reporting.
Consumer complaint received 2023-07-18
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. (WA)

Equifax has failed to update several credit card accounts, including current balances and credit limits. The other two credit reporting agencies have update these accounts. This is what the updates should look like. 
XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance {$5900.00} Credit limit Credit limit {$5900.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$8.00} Open balance {$450.00} Credit limit Credit limit {$450.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$0.00} Open balance {$1200.00} Credit limit Credit limit {$1200.00}
Consumer complaint received 2023-07-18
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. 

Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 6 mos ) Payment History Youve made 59 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Consumer disputes- reinvestigation in progress Times 30/60/90 days late 3/2/11 Closed No Info CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consu
mer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized fraudulent accounts include the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The issue has yet to be resolved. They have not solved the reason for why my name was associated with an incorrect address. See issue below. 


I have just learned that Capital One had an INCORRECT address on my file, which was the reason I had a fraud alert on my account and was put through chaos trying to activate a credit card ( for which I ultimately cancelled ). An address that was my father 's rental property ( for which I have ZERO ... .ZERO ASSOCIATION! ) ... .. I have never lived there, I am not on the loan, etc ... .there is NO record of me with that address ... .and yet Capital One had this address under my name. The address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA How do I know this????? The fraud dept sent a letter to the address ( tenant ). The tenant sent the letter to my father, who then forwarded it to me. I verified with XXXX  and XXXX  that this address does NOT exist on my address history. How did CapitalOne get this address associated with my name??? Total incompetence from most of Cap1 's customer service. I have closed all accounts, but I want a resolution on how this misinformation was added and then used to deny access to activate a credit card.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am a victim of identity theft. I have submitted disputes to the credit agencies according to the FCRA but they are not processing the disputes correctly and they are not attaching my FTC reports to the disputes. And I am not getting copies of the verification process
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This complaint serves to bring 3 credit bureaus ' attention to the violation of consumer protection laws and request the immediate removal of fraudulent accounts from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have been disputing my credit report due to identity theft. I have sent the correct paperwork including my FTC report to the credit agencies and submitting disputes to remove these fraudulent accounts. The disputes are nto being filed correctly and the paperwork is not being attached. And I am not getting copies of the verification process according to the FCRA
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (NY)

if the completeness or accuracy of any item of information contained in a consumers 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. 

as a consumer I notified the furnisher indirectly through the CFPB of my dispute/complaint. XXXX  XXXX, XXXX XXXX along with EXPERIAN all failed to follow The FCRA. 

The complaint that was chosen to be ignored was XXXX. 

delete all accounts listed below because a reasonable reinvestigation was never complete with 30 days.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX all debt to XXXX XXXX was found invalid and dismissed. Documents were forwarded to the company and credit bureaus from the Probate Court. XXXX XXXX continues to report XXXX, XXXX, etc as bad dent and all 3 of the bureau agencies have been no help.
Consumer complaint received 2019-01-20
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. (AR)

My problem is with TransUnion. The company will show something wrong and I file a dispute. While my dispute is pending, suddenly other information will appear and be wrong dropping my credit score more, and I cant even dispute it because I have to wait for the first dispute to be resolved. TransUnion has continued to do this to me for nearly a year, after I paid my debts and received a XXXX credit score. I  currently have a dispute where I opened an acct with XXXX XXXX in XX/XX/XXXX and paid it in full by the XX/XX/XXXX ( within 2 wks ) before the very first payment was even due, however TransUnion shows I still owe that bill and owed it since XX/XX/XXXX now theyve brought up closed accts and placed them as loans AGAIN dropping my credit score. My student loans were consolidated and taken over by XXXX, and I do not owe any payment to XXXX I have proof, but TransUnion listed XXXX as ANOTHER loan ADDING to my loans and stated I have a monthly payment, dropping my score again and again I can not dispute it bc I have to wait until the first dispute it resolved. Im going to follow protocol and then, hire a lawyer and sue TransUnion.
Consumer complaint received 2019-01-20
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 have addressed TransUnion about two hard inquiries that I never authorized on my credit report. I've tried to dispute these inquiries with them for a few months now and they still continue to violate my rights by reporting them as factual. I have no idea who allowed someone to run my credit without my knowledge. I'm hoping that TransUnion starts to follow consumer laws and not their own made up laws to tarnish any consumers credit reports. The two hard inquiries are below. I want to know that my rights are more than words on a piece of paper. Thank you in advance for your attention to this matter. 
XXXX XX/XX/2018 XXXX XXXX. XX/XX/2018
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

This isn't a duplicate request, however on XXXX  I submitted a complaint to Experian regarding : XXXX XXXX XXXX ( XXXX ). Experian updated my credit report as updated. I want to know what due diligence Experian exercised to confirm when XXXX XXXX XXXX XXXX itself didn't and can not verify the debt. This is illegal practices. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. Lastly Fact, please show good faith in the matter by expediting deleting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 2023-12-06
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. (TN)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5400.00}
Consumer complaint received 2019-08-02
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: CITIBANK, N.A. (AL)

I ran an XXXX credit report and it showed a hard inquiry from CBNA/THD and stated " When applying for credit or financing or as a result of a collection, a " hard inquiry '' will appear on your Credit Report. '' I have not applied for credit or financing. I don't know what they mean by " as a result of a collection '', but if they are talking about some kind of debt collection there has been none. 
I want this removed from my report and want to know if someone claiming to be me applied for financing.
Consumer complaint received 2019-12-02
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. (DE)

XX/XX/XXXX tried calling to dispute inquiries on my report that i did not authorize, put on hold for a long time, then got hung up on.. 

These are the inquiries i did not authorize to the companies XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$23000.00}
Consumer complaint received 2022-05-17
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. (OH)

Ive noticed some unauthorized inquiries on my credit report accorded to the FCRA these are unverified and unauthorized items and I would like them to be removed from my credit report.