davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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. (NV)

I submitted multiple written disputes to XXXX, XXXX, and TransUnion regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with XXXX, XXXX, and Transunion. 

The responses from XXXX, XXXX, and TransUnion clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from XXXX, XXXX, or TransUnion. I have not received any documentation to date from XXXX, XXXX, or TransUnion that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # XXXX 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXXXXXX XXXX XXXXXXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXXXXXX XXXX Charge-off 8 ) XXXX XXXX XXXX XXXX  Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX  Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with XXXX XXXX XXXX XXXX and TransUnion. I am requesting the CPFB assist me in working with XXXX, XXXX, and TransUnion to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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 am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the XXXX, Equifax and XXXX Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLUT XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX EQUIFAX MORT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (GA)

I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (WA)

As detailed in CFPB complaint reference XXXX, that I filed on XX/XX/2020 ( for which I still have not received a company response ) I continue to receive servicing emails from KeyBank. As these are servicing emails, I do not have the option of opting out of these unwanted emails. I no longer have an account with KeyBank and do not wish to continue to receive unwanted emails from the bank, due to their unfair, deceptive, and abusive acts and practices.
Consumer complaint received 2023-02-16
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. (IL)

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 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 any consumer report containing any of the following items of information or 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.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (LA)

Last month XX/XX/2022 I received A call from A lady from a Collections company by the Name of Carter Young-Inc about a old debt of which XXXX XXXX XXXX in XXXX LA XXXX Where my son was living to attend XXXX XXXX XXXX XXXX  An incident occurred on the premises where my son was held XXXX XXXXXXXX XXXX  by some men that wasn't living there and his friend was XXXX  there was supposed to be security so i had no other choice but to break the lease I notified the manager XXXX and verify everything And now no letters are phone calls until XXXX of 2022 threatening to ruin me an my sons credit if I don't pay the debt and know it's in collections
Consumer complaint received 2023-02-10
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. (MD)

I recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the accounts I asked to be validated Name of Account Account Number Verification 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  In accordance with the Fair Credit Reporting act the above accounts has violated my rights.

15 U.S.C 1681 sectjon 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 15 U.S.C. Sec. 1681i ( a ) : States that if a consumer reporting agency can not provide proof, these accounts must be deleted.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX responded to a cfpb report that they didnt do the reporting therefore this should not be on my XXXX file XXXX file Experian file XXXX file Cfpb Report number XXXX I demand the reporting to be removed and deleted and blocked immediately
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 — Old information reappears or never goes away
Company: FULTON FINANCIAL CORPORATION (MD)

In XX/XX/XXXX, I approached Fulton Bank about an issue with my Travel Trailer Loan. I was concerned that the bank was reporting my payment information incorrectly. I had paid off a large portion of my loan but they felt that I was behind on payments when I was actually years ahead of my payment schedule. I was also concerned that the Bank had not afforded me my SCRA benefits over several military deployments. 

After several discussions over the next few months and several in-person visits to a local branch. I was told that the account had been reported incorrectly and I had not been given my SCRA benefits. I was also told that they owed me over {$3000.00} and would correct the issue and close my account. They did send me the money that I was owed but they kept the account open ( although I was assured it would be closed ) and continued to report the account late when it was completely in error. 

Since the account was recently closed, I have tried on several occasions to have the wrong information removed from my account. Fulton Bank told me to submit a dispute with each credit reporting agency and they would correct the issue from their end. I have done that and the information continues to be reported in error. 

Fulton Bank has never made an effort to correct this issue. They know that it was reported in error and had never made an effort to fix it from their end. They made a significant error with my SCRA benefits and now continue to make the issue even worse by negatively impacting my credit.

I have attached the dispute results to this complaint. You will notice that when I first brought up this issue to Fulton in XX/XX/XXXX, I only owed {$2800.00} on the account. So the account would have already been closed if they had applied my SCRA benefits correctly. You can also see my payments across XXXX, which were often {$500.00}, {$600.00} or even {$930.00}. I was doing everything I could to pay this account off early. Any reporting from Fulton Bank that I was delinquent or not a good customer is blatantly false.
Consumer complaint received 2022-12-12
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a XXXX party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX  straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX XXXX which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my XXXX XXXX XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (NC)

XX/XX/XXXX I sent letters to the credit bureaus regarding erroneous accounts I have in my credit report. Until now I havent got any actions from them I can still see those accounts in my credit report. It has been over 60 days so they should be deleted promptly. This situation has caused me to stress out and I need to have it resolved quickly. Thank you.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have repeatedly asked for evidence to support Experian 's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and Experian have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently went over my credit report and notice there are late payments reporting with account XXXX XXXX Acct # XXXX which are a violation. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any notice stating such for a statement.
Consumer complaint received 2021-10-05
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. (CA)

The financial institution XXXX is reportinXXXX a inquiry on my personal credit. I never have done business with this bank, nor do I have any accounts or applied for financial business with them. I have called them multiple times to delete the inquiry with no cooperation. This activity and inquiry is illegal and fraudulent. Please investigate.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

LL Bean Mastercard under Citibank mailed me a promotion if I use my LL Bean Mastercard and pay with it for a utility gas electric cable etc I would earn {$25.00} rewards which they call bean buck XXXX bonus. After 3 months I haven't received one reward. Just get the run around 2 to 3 billing cycles system isn't reckoning cable as utility. Looking to get my bonus rewards as advertised.
Consumer complaint received 2021-10-05
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (TX)

Purchased a vehicle from XXXX XXXX in XX/XX/year>. I financed the loan with Exeter Finance. I did not ever receive my permanent tags from either entity and have yet to receive. I am on expired tags and the loan is paid for. 

My finance company is telling me that the car lot has closed down and they did not receive the title so there is nothing that can be done. 

I have called the finance company weekly to follow up and no information given. I feel I have had my money stolen from me. They did not follow up on a loan I was paying them for until the car lot closed a month ago. I want my title or a refund of all money paid to this company.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the immediate removal of certain unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified multiple inquiries that are not attached to any active accounts. These inquiries are adversely affecting my credit score and overall financial profile.

I kindly request that you remove the following unauthorized inquiries within four business days, as they are not associated with any active accounts on my credit report : XXXX. XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXXXXXX - Inquiry date : XXXX XXXX XXXX XXXX. XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX - Inquiry date : XXXX XXXX XXXX  XXXX. XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 These unauthorized inquiries do not correspond to any active accounts or credit applications made by me. Therefore, I am requesting their immediate removal from my credit report. I understand that unauthorized inquiries can significantly impact my credit score and future financial endeavors. As a responsible consumer, I strive to maintain an accurate credit history, and these inquiries do not accurately represent my creditworthiness. 

I kindly request that you thoroughly investigate these unauthorized inquiries and take appropriate action to remove them from my credit report within the specified timeframe. I appreciate your attention to this matter and your cooperation in rectifying this issue promptly. 

I look forward to receiving written confirmation once the unauthorized inquiries have been successfully removed from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANC ONE MORTGAGE CORPORATION (CA)

I am refinancing my mortgage with my existing bank. After submitting my application, I received an unsolicited text message from XXXX XXXX XXXX asking whether I authorized the pull on my credit and whether they could offer a second opinion. I have never had any contact with this company. This screams scam or, if not, wildly inappropriate for a company to be monitoring my credit reports to see if I make an inquiry. They have acquired my name, phone number, address, and credit report without my knowledge or authorization.
Consumer complaint received 2023-03-28
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. (FL)

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


1. XXXXdept of ed # 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 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 moreover 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.
Consumer complaint received 2023-03-28
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. (TN)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions