davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I disputed the presence of a fraudulent account on my Equifax credit report, which is being reported by XXXX XXXX. Despite my repeated attempts to rectify this matter with XXXX XXXX directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my Equifax report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for XXXX XXXX to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that XXXX  XXXX complies with its obligations under the FCRA by promptly removing the fraudulent account from my Equifax credit report.
Consumer complaint received 2021-06-24
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)

My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (MI)

In XX/XX/2016, I returned my leased Lincoln XXXX to the dealership at the end of my lease term. At that time, I provided the dealership my forwarding address as I had moved since signing the lease. I was told that my address would be communicated to the financing arm of Lincoln Automotive XXXX a subsidiary of Ford Motor Credit. ) I was not advised of any additional fees or costs owed by me at that time. 
Months passed and I received absolutely no correspondence from Lincoln/Ford. 
Much later, I became aware of a negative mark on my credit report due to a charged off account from Lincoln Automotive Financial. They had charged me, without notice, for excessive wear and tear and fees on my lease but had not sent any notice to the address I had provided. 
I would, of course, have paid these fees in a timely manner as I had always made my lease payments, if I had been notified and the added charges and fee breakdown been provided to me. 
I can only suspect that any written notification of fees was sent to a wrong address. 
I ultimately paid the outstanding fees but the very damaging mark remains on my credit report. 
This was a direct result of poor information management and communication on the part of Lincoln and I have repeatedly attempted to directly address this with the company. 
I request that the account be removed from my credit report.
Consumer complaint received 2021-06-24
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)

Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts below be removed immediately.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

I applied for a CareCredit card to help pay for my XXXX XXXX I was given a {$4000.00} line of credit. There are two payment platforms that are available to pa the bill. My chart gives me the option to pay my bill via the website https XXXX XXXX. I have also signed up at Synchrony bank to see my bill. I have been paying my balance down through XXXX. 

I sent the records of my billing payments to Synchrony. They haven't updated their records accordingly. I recently got a message from them saying they won't do it because it's not on their platform. I feel like I am going to be penalized because of this billing dispute.
Consumer complaint received 2019-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.
Consumer complaint received 2023-03-31
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I disputed the presence of a fraudulent account on my Equifax credit report, which is being reported by XXXX XXXX. Despite my repeated attempts to rectify this matter with XXXX XXXX directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my Equifax report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for XXXX XXXX to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that XXXX XXXXXXXX complies with its obligations under the FCRA by promptly removing the fraudulent account from my Equifax credit report.
Consumer complaint received 2021-06-24
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: FIFTH THIRD FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (MN)

Hi, LVNV Funding LLS needs to take this off my credit report. My medical bills are covered under a XXXX XXXX  XXXX. I got 100 % coverage and they are refusing to remove it. With that being said, that bill was paid and it should have never been reported to the cred reporting agency 's in the first place. I was granted full coverage from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Someone stole {$1000.00} from my chase account. Paid themselves through XXXX. Chase claims refused to issues my money back because they said they can't verify it either way. It others words they are saying I'm lying.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

Opened a checking account online XX/XX/XXXX, aiming to take advantage of this {$600.00} bonus offer : XXXX XXXX XXXXXXXX XXXX XXXX I am certain that I clicked Apply now as instructed at that page, and then fulfilled the bonus requirements by setting up regular direct deposits of > $ XXXX. My first full month in compliance was XX/XX/XXXX. 

According to the offer, " You will automatically receive the 3 % Cash Bonus in your new HSBC XXXX  checking account approximately eight weeks after completing that months qualifying activities. '' But 8 weeks after the end of XXXX came and went with no bonus. 

I contacted customer support on XXXX XXXX, XXXX, by chat, was given an issue confirmation number, and told I would hear back in 7-10 business days. On XXXX XXXX, having heard nothing, I contacted them again by chat and I was told to wait another 3-5 business days.
Consumer complaint received 2023-03-31
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. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am the claimant of my deceased brothers count at BoA. He passed away two years ago. Since that time I have been working with Bank of America to close his accounts out and return those funds to his estate. In that time I have filled out paperwork with them, had it notarized, returned it to them per their instructions. I have made multiple phone calls trying to understand what is required of me to close my brothers account. I continue to get the runaround and the bank continues to hold on to my brothers funds. When I use their website, I receive warning issues saying the site functionality is unavailable. When I speak to them on the phone, and follow up again via phone, I am told there are no records of our previous conversations. I believe that Bank of America is taking advantage of me given that I am over sixty-five by employing deliberately ambiguous and abusive practices. They are certainly unfair.
Consumer complaint received 2024-03-25
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. (AR)

I'm experiencing XXXX dissatisfaction, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

Paypal closed my account for no legitimate reason and have supplied with information on getting my Acct. Up and running. Not sure if this is a mistake or an error on their part. I have not been able to get assistance from them in weeks. I feel neglected and abused. My email to my PayPal account is XXXX Thanks for your concern in this matter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello i reached out to transunion on XX/XX/23 about some incorrect personal infformation reporting on my credit and they have yet to response and acknowledge my concern. I fee as though i have been ignored and have given them enough time to fix the error
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc. (WI)

The nature of my concern : I received a call and voicemail from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX stating I owed a debt on XX/XX/XXXX regarding a debt they were trying to collect. The FDCPA requires the collection agency to send me a validation of debt with the first 5 days of XX/XX/XXXX which XXXX XXXX XXXX XXXX has failed to do. I disputed the debt and as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has failed to send me an itemized bill, or validate the debt. 
On XX/XX/XXXX, I received two calls from XXXX XXXX XXXX XXXX from a number they have never used before and they failed to leave me a voicemail stating who they were. I answered another call from them and a lady stated she was from XXXX XXXX XXXX XXXX Pre-Legal Department. I notified her that I disputed the debt, and the phone call ended. 

XXXX XXXX XXXX XXXX XXXX has left my voicemails and called me on XX/XX/XXXX 2 voicemails on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm XX/XX/XXXX This is despite the fact on XX/XX/XXXX I disputed the debt and per the FDCPA, XXXX XXXX XXXX XXXX XXXX was to stop all communication with me and collection efforts until they mailed me a validation of debt notification. 

Also on XX/XX/XXXX they violated the FDCPA by contacting me without notifying who they were, what there business was.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hard inquiry on my credit report with Equifax for XXXX XXXX on XX/XX/2018. I have no requested any product or service from XXXX to result in a hard inquiry. Unknown how my information was obtained by the company. Have requested it be removed from my credit report on several occasions, including with Equifax and the item in question still remains. I have never done business with XXXX nor do I have any intentions of doing so.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCollection Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1900.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1900.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1200.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$160.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$2400.00} Date OpenedXX/XX/XXXX Dispute
Consumer complaint received 2023-01-13
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. (CA)

I recently received a copy of my credit report and noticed that you are reporting unauthorized inquiries on it. 
I have contacted the following Creditors below and they have no proof I Initiated these inquiries, no written authorization and have failed to provide reason for them reporting the inquiries on my credit report. 
According to Section 604 of the Fair Credit Reporting Act Permissible purposes of Consumers Report 15 U.S. Code FCRA, 15 U.S.Code 1681B In general. Subject to Subsection, any consumer agency may furnish a consumer report under the following circumstance and no other. 
( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by consumer.

Under 15 U.S.Code 1681i, Paragraph ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general. If, after any reinvestigation under paragraph ( XXXX ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The Following Inquiries are Unauthorized : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX LA XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/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 XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Best Regards, XXXX XXXX XXXX