davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (TX)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$150.00}, XXXX XXXX XXXX Balance {$430.00}, XXXX XXXX XXXXXXXX Balance : {$720.00}, XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00}, XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$260.00}, XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$180.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (NC)

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the XXXX XXXX XXXX are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CA)

I purchased a XXXX XXXX and Financed it through Honda Financial on XX/XX/XXXX, and I have always made my payments on time. Recently my car was in an accident in XX/XX/XXXX, and unfortunately the car was a total loss. My insurance provider was XXXX and I was working with my claims representative XXXX XXXX ( phone ( XXXX ) XXXX ). SHe called Honda Financial for a 10 day quote and they quoted her {$27000.00} ; that amount was good through XX/XX/XXXX. Honda Financial cashed the check on XX/XX/XXXX. XXXX then proceeded to bill me in the amount of {$500.00}. I called Honda Financial on XX/XX/XXXX to ask why they had billed me even though they had been sent the payoff amount. The representative from Honda Financial told me that they had processed the payment incorrectly and that she had escalated it to her manager and this would be resolved in 2-3 days. Days went by and nothing was fixed. I called Honda Financial several times and they never fixed the issue. We even held a call 3 way call with XXXX, Honda Financial, and myself, and they could not give us an answer as to why this had happened, and how they were going to resolve it. When asked if this would go to a reporting agency, they said if it wasnt resolved or paid on the due date, then yes. I paid the amount so that it will not go to a reporting agency, but I deserve a refund. This is an error on XXXX  part. The Payoff quote due on XX/XX/XXXX is for {$27000.00}, there is no way I could owe over {$500.00} after my payoff payment of {$27000.00}.
Consumer complaint received 2023-01-17
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX # XXXX, account name : XXXX XXXX  # XXXX, and account name : XXXX XXXX # XXXX, had 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 : Or 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-17
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. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ 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 XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my credit score, which affects my ability to obtain credit and other financial services. 

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from my credit report immediately.
Consumer complaint received 2021-03-11
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. (NV)

I've sent letter disputes to the credit bureaus in XXXX and early XXXX regarding illegitimate inquires on my credit files and haven't heard back. The following inquiries are damaging my credit rating and the permissible purpose provisions of the Fair Credit Reporting Act weren't enforced : *see attached word document for listing of inquiries in question*
Consumer complaint received 2023-02-06
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)

This is my OTHER 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 XXXX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

i bought a paypal prepaid debit master card at a XXXX and loaded the card for a hundred dollars. i get home to set up the paypal prepaid card online but once it asked for he last 4 of social, it says to call and XXXX XXXX number. there had me on hold for an hour and XXXX minutes transfering me from XXXX deart to another.First it was the fraud department, then the card specailist and after that they didnt even bother playing the " wait to be transffered to the next representative chessy music ''. they said that i have an account with netspend that has been blocked or a resstricition on it with my name and socical i just dont know understand if its a paypal prepaid card what netspend has to do with it? and they said they are going to mail me a check and its been 10 days and still no check or no paypal card i loadded the card for XXXX XXXX so im calling everyday to see if and what is gunna happen but they keep putting me on hold
Consumer complaint received 2023-01-17
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX XXXX XXXX  XXXX  send me a letter saying that I'm in collection with them with a credit card that is not in my credit report anymore because it was payoff long time ago.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurate information on my credit report
Consumer complaint received 2023-12-28
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)

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 

Per 16 CFR 313.7 ( f ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. 

I have opted out but they are continuing to report my private nonpublic information against their terms and conditions by supplying it to non-affiliated third parties, not supplying me with the required opt-out documentation, and committing Identity theft by using my copyrighted name. 

16 CFR 313.1 Authority:15 U.S.C. 6801 313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Also, a charge-off is a " certificate of indebtedness '' and is now being reported as " INCOME '' which is " NOT ALLOWED '' to be reported on my credit report
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

What other action needs to be taken here instead of constant complaints against Experian? 

Do I need to find a resident agent in my state and sue for damages? Please advise what my next steps should be because Im sick of making these complaints and getting no relief. Maybe if a judge orders them to pay damages for all the things Im being denied for due to incorrect credit score reporting then they will get the picture. 

My credit score comes up as seriously delinquent yet I have zero missed payments, no collections and 2 late payments in the last 5 years. My accounts are ALL PAID AS AGREED. Where does SERIOUS DELINQUENCY come from? I will not take the almost XXXX point hit to my credit score from a late payment made 60 months ago ( that I corrected the day after you reported it ) and a seriously delinquent status on my report at the same time. This company is LYING by definition of what a serious delinquency even means. Additionally, I check my score EVERYDAY it is currently XXXX, yet Experian continues to report my score as XXXX. Please see the attachments. 

Thank you.
Consumer complaint received 2020-02-07
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 decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  XXXX  XXXX {$790.00} XXXX XXXX XXXX {$22000.00}
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

There is a collections account on my credit report by Portfolio Recover Associates ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.

6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurate on my credit profile
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (LA)

The following accounts were opened fraudulently on my credit report. I was XXXX  from XXXX XXXX. I have tried to get this fraudulent information removed from my credit report with no success. 

JPMCB - CARD SERVICE- JPMCB XXXX CARD SERVICE- XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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: CITIZENS FINANCIAL GROUP, INC. (IL)

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. 

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

By : XXXX XXXX XXXX by Agent All Rights Reserved
Consumer complaint received 2023-06-10
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)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute the certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}