davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (GA)

I reached out to the Bureaus XX/XX/XXXX regarding Account number XXXX which is a " XXXX XXXX account ''. In our communication each Bureau notified me that they " verified this account, '' and that " all information regarding this account was accurate. I then reached out to reach a mediation point with XXXX XXXX regarding this account and from speaking with them today XX/XX/XXXX I was informed that they : " aren't reporting this account to the four national credit bureaus, '' and that " this account was sold XX/XX/XXXX '' however as of Today XX/XX/XXXX this account is still on my credit profile. As a consumer I have the right to a credit report that is 100 % accurate. This account needs to be deleted from my credit profile IMMEDIATELY! I have also included a copy of that complaint in case the bureaus try and neglect my complaint. The response directly from XXXX XXXX  is on page 3 of the complaint where it details when the account was sold. The bureaus however are still reporting that this account is with XXXXXXXX XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-02-13
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 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 US DEPARTMENT OF EDU As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2021-01-06
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. (CA)

I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX ) and his girlfriend XXXX XXXX took advantage of my mental illness and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (GA)

Each of 3 Credit Bureau 's received credit report updates on my student loans Theyve been paid off My credit score did NOT ho up like many others I continue to have a score thats classified as " poor '' and below 600 and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, XXXX and Experian show me LATE on 14 student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer ne system let that inquiry happen but they also concerned about HIPPA policy. 
Every single time I request credit access into XXXX, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk tp a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me 45 minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own XXXX reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on 5 years for one business and 30 years for a NY Tax credit company I worked at as a part time Temp 1 yr after graduating high school!!!! 
Another is one I had a on job complaint n case with
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, Equifax and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX and/ or XXXXXXXX is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, Equifax or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-17
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. (NY)

An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through Experian. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Consumer complaint received 2024-03-20
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

A auto loan that was financed under my name that XXXX XXXX Of XXXX was the dealership sold extra products to me ( was suppose to be a cosign loan ) and at my request for gap and I made certain to mention at the said time, NO ADEMDON, CONTRACT ONLY! Yes Ms XXXX, contract, I asked if it weren't XXXX XXXX XXXX and was told once again NO. Latter in the year, the unthinkable happened and the XXXX  truck was totaled. I figured it would be paid off, NOPE. I'm left holding additional {$2300.00} that the gap won't pay off and a negative on my credit with Ally Financial. I have or had awesome credit due to me always paying on time. I asked Ally if they would work with me to drop all interest and late fees and I'd send XXXX XXXX every month until paid off, NOPE Account Info Account Name ALLY FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/2020 Status Open. 
Status Updated XX/XX/2020 Balance {$2300.00} Balance Updated XX/XX/2020 Recent Payment {$1700.00} Monthly Payment {$790.00} Original Balance {$48000.00} Highest Balance {$0.00} Terms 78 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 30 Current on payments 30 30 Days Past Due Balance History Date Balance Scheduled Payment Paid XX/XX/2020 {$8200.00} {$790.00} {$0.00} XX/XX/2020 {$49000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$0.00} {$0.00} XXXX  XXXX  {$47000.00} {$0.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00}
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this CFPB Complaint to you once more to formally dispute the fraudulent inquiries listed on my credit report. Despite my repeated attempts to have them removed over the past three months, inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 . I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these unauthorized inquiries, I expect immediate action to be taken.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

LETTER OF DISPUTE I disagree with the outcome of the fraud investigation related to my XXXX account. 
XX/XX/XXXX On XX/XX/XXXX Ive visited The XXXX restaurant, located in XXXX XXXX, NY. Approximately around XXXX EST Ive paid for the dinner but ended up leaving the wallet on the table. Ive spent the weekend mostly at home, located in XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NY. 
However, on Monday XX/XX/XXXX Ive discovered that my wallet is missing, including some of the cash bills, my New York State Drivers License and my Chase Sapphire Reserve Visa Card. When Ive called The XXXX restaurant in order to verify that they have it, but unfortunately, they told me that didnt find any wallet and dont have it. Then Ive gave Chase Fraud department a call in order to report a lost card. 
While Im thankful that Chase removed some of the fraudulent charges from my XXXX account, I acknowledge the fact that the investigation wasnt complete due to some charges being marked as valid as a result of this investigation. Therefore please, consider such but not limited to documents attached 1 ) Copy of the Identity Fraud Report, issued by FTC 2 ) Copy of my NY Driving license with my actual photo issued on XX/XX/XXXX
Consumer complaint received 2024-03-20
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 2022-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

I believe Patient Accounts Bureau is attempting to extort money from me. In XX/XX/2022, I received the attached bill for {$35.00}. I attempted to pay online through my bank but Patient Accounts bureau waited weeks to deposit this check against my account so by the time funds were depleted. Therefore, I was charged a returned check fee by Patient Accounts Bureau. I was told my bill had escalated to over {$110.00}. I do not understand how a {$35.00} bill escalated to this amount, even with the returned check fee included, but nevertheless, I paid {$110.00} on XX/XX/2022 on their online pay portal of their website. This payment was successfully processed by Patient Accounts Bureau but they failed to record a payment history on their website ( see attached ). There is no payment history on their website to give the customer an idea of the payment history. Since there is no payment history, they failed to record my payment of {$110.00} which I paid on XX/XX/2022. 

It appears that the {$110.00} payment was never applied to my balance because there is still an outstanding balance of {$70.00} ( see attachments ) showing on my balance at Patient Accounts Bureau. 

Patient Accounts Bureau never applied my payment, they do not have a payment history ( see attachment ) recorded on their payment history and I think they have overcharged me by escalating and adding fees to my original balance of {$35.00}. Thank you.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IL)

Yesterday, on XX/XX/19, an employee at XXXX opened a credit card for me against my authorization. I was making a purchase and the cashier offered to check if an old store credit card was still active. I explicitly told her that I did not want to open a new card at least three times. She reassured me that she was just checking to see if my old credit card was still active. Moments later she printed me a ticket that said : " you have been approved for a TJX Rewards Platinum Mastercard ''. The employee had opened a new credit card with my personal information against my explicit authorization. 

This can not be undone and Its now on my credit score. The store manager was apologetic but said that there was nothing he could do except offer me a {$20.00} gift card. This is unacceptable.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX  I submitted a dispute to Experian regarding the account XXXX with XXXX XXXX XXXX in regards to the validation of this debt on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number generated with this dispute which is XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX