davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (AR)

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you report on my Credit file. I previously sent a letter on XX/XX/XXXX requesting you to remove inaccurate personal information, address, and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
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 — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (GA)

I had an account with ATT that I paid monthly through my att portal login. 

After i paid the balance in full, i received a credit reporting alert from Experian notifying me that a collection was added to my account. 

I pulled my report and a company I have never heard of SUNRISE CREDIT SERVICE, was listed as a collection. 

I called the SUNRISE CREDIT SERVICE immediately, and explained that they have erroneously reported as a collection on my credit report. 

The representative said that I should call XXXX I explained that XXXX  has nothing to do with SUNRISE CREDIT SERVICE reporting as a collection on my report and XXXX XXXX XXXX needs to remove this error immediately. 

I contacted XXXX  to inform them of the situation. They opened a case and was suppose to contact me with a resolution by XX/XX/XXXX. 

XXXX  never contacted me back with a resolution. When speaking with XXXX, I told them I have always made payments to XXXX and I have no knowledge of SUNRISE CREDIT SERVICE.

When I checked my report, a few days later, SUNRISE CREDIT SERVICE, updated that I had paid them in full.

SUNRISE CREDIT SERVICE is reporting untrue information. I never received any correspondence or any information about this company. I had never spoke with them, nor paid them any amount. I did not know this company even existed. 

I have my XXXX statements that show I made all payments to XXXX  through their client portal, as I have for years. 

SUNRISE CREDIT SERVICE needs to remove their name from my credit report.
Consumer complaint received 2022-12-31
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. (AR)

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you report on my Credit file. I previously sent a letter on XX/XX/XXXX requesting you to remove inaccurate personal information, address, and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

I just completed a refinance moving my loan from XXXX to Cardinal Financial. During the application process, i asked if there were any prepayment penalties and can i make bi-weekly payments. I received in writing onXX/XX/10 : Hi Mr. XXXX, There is no prepayment penalty and you are able to make bi-weekly payments after you fund. You will be able to set this all up after closing. 
XXXX XXXX | Retail Transaction Coordinator Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX Phone/Fax : XXXX | cardinalfinancial.com My loan just closed and was funded, and while registering my new account I attempted to set up automatic bi-weekly payments. The website only allowed monthly payments so i called customer support and they informed my they do not allow bi-weekly payments and sorry for the misinformation. This was a big deciding factor for refinancing with Cardinal Financial. I would have never chosen them as a lender knowing this information now. I asked the supervisor how there is a disconnect between the loan originator and loan servicing and she said they do not speak to that department, and there is no a way to inform the origination team they do not support this payment option. 
To me this is a direct UDAP violation selling customers on a product that is not even supported by Cardinal Financial and should be addressed immediately so other potential costumes are not impacted with illegal marketing practices of Cardinal Financial.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 someone used my card at an atm and pulled {$640.00} out of my account, this was when I realized my wallet was gone. I called bank of America immediately to report fraud. I also called edd. This atm was in another city at least 100 miles from my home. On XX/XX/21 edd lifted the hold on my account after their investigation, and verifying my identity. Now bank of America has been giving me the run around telling me that there is a hold on my account still from edd after I had given them the reference number several times. Still nothing. I received my new debit card already. Please help me solve this issue it's hard enough in these times having to be on unemployment and it being my only source of income raising XXXX toddlers. But to have to deal with the Bank giving me the run around and tell me they are waiting for edd when edd has already done their job.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (VA)

I completed an assessment for a background check yesterday, XX/XX/XXXX, for a job I applied for at XXXX. I received an email from First Advantage this morning regarding the results of the background check. In the report, was a criminal record from NC in XXXX, which I never was there at that time. Also, the name is wrong. The first name is XXXX, which isnt my name. Also, it included my married name, but I wasnt married until XXXX, so the last name wouldnt have been that which is in the report from XXXX. I would like to have it removed from my report as it is not me and I dont want it affecting my future career endeavors. Thank you.
Consumer complaint received 2021-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (UT)

a few years back I was notified that upgrade had given an $ XXXX loan to me .... but it wasn't me. I have tried numerous time to get proof that they gave this too me but they can not provide me any information. I filed a police report, have spent numerous hours on the phone with upgrade and begged them to provide me proof that this was my loan, but it wasn't me. It is still showing on my credit. I have gone so far now as to engage my attorney in an effort to have this removed from my credit, I have submitted complaints with the credit agencies and they have come back saying that upgrade has verified this was my account, but it wasn't and they will not provide any information or proof.
Consumer complaint received 2020-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

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 : XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX | ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the XXXX XXXX XXXX XXXX XXXX to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

I sincerely hope that we can resolve this matter amicably and avoid the need for further action.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution,
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

on XX/XX/XXXX i contacted Suntrust about an online purchase attempt i made on XXXX XXXX with XXXX XXXX  in the amount of {$96.00} and explained to a Suntrust representative that transaction was cancelled by XXXX XXXX on XX/XX/2021, i never received the product, I spoke with XXXX XXXX and was told Suntrust has done this to many customers in the past, where the bank will keep the refunds to add on to their profits in hope that the customer will give up.
Consumer complaint received 2020-03-13
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: Southwest Recovery Services, Inc. (TX)

I do no know of this account appearing on my credit report. i have made contact with the company prior to this but they have not complied. The information recorded does not match my records and this has not been approved by me. The collection for southwest recovery ser is inaccurate.
Consumer complaint received 2022-12-31
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. (PA)

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 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 XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-13
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. (MS)

I HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX anXXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (MS)

I HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-12-31
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. (PA)

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 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 XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make 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 know or has reasonable cause to believe that the information is inaccurate.