davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Urgent Dispute with XXXX XXXX  To Whom It XXXX Concern, I am writing to file an urgent and strongly worded dispute with XXXX Bank regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX  for XXXX and, and regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX  regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX  is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement had inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX  take immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Failure to do so XXXX constitute violations of the following laws and regulations : Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX actions in failing to disclose the negative credit consequences of the settlement may be in violation of the FCRA, which requires fair and accurate reporting of consumer credit information. 

Fair Debt Collection Practices Act ( FDCPA ) : If XXXXXXXX XXXX XXXX representatives engaged in deceptive or unfair debt collection practices, this could be a violation of the FDCPA, which governs how debt collectors can interact with consumers. 

Truth in Lending Act ( XXXX ) : If the terms of the settlement were not adequately disclosed, it may be a violation of XXXX, which requires clear and accurate disclosure of credit terms and conditions. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (VA)

A medical bill conveniently has been added to my credit report for {$500.00} ( you cant report account under {$500.00} ). Ive viewed medical records from XXXX XXXX XXXX XXXX XXXX XXXX ) and contacted the billing department and they have no record of the debt. This bill wouldve been from XXXX and would have been able to have been reported until the law changed ( but it was not ). I have a credit reporting service with XXXX and have checked credit reports since XXXX and this medical bill is NOT listed. If it is my bill and went unpaid then it would have been reported PRIOR to any collections activity but it was not. XXXX can check their own records for accuracy. Furthermore, I have NOT been notified of ANY DEBT. When I contacted the collection company they advised that the debt recently was sold to them by XXXX XXXX and they didnt have my correct name or mailing address. Ive opened complaints with the CFPB for each of these companies so this issue can be resolved. These companies should not be allowed to blatantly circumvent the law and credit reporting agencies should be checking their own records and actually validating the information they allow onto a consumers credit report. I want this resolved immediately!
Consumer complaint received 2023-03-05
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. (NE)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Acct # XXXX {$490.00}. 
XXXX Acct # XXXX {$480.00}. 
XXXX XXXX Acct # XXXX {$670.00}. 
XXXX Acct XXXX XXXX {$1100.00} XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX  XXXX Acct # XXXX {$770.00}. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A. Section 2 : 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 7 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 the information is inaccurate.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX US. DEPT. OF EDUCATION 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
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received another correspondence from your Transunion dated XX/XX/2023, indicating that the investigation of my disputes was complete. As of date, Transunion and their nonaffiliated 3rd parties are still WILLFULLY violating the Gramm Leach Bliley Act pursuant to 15 USC 6802 by sharing my nonpublic personal information WITHOUT my lawful consent! To be clear, I NEVER requested an investigation because I NEVER GAVE Transunion or their nonaffiliated 3rd parties any lawful consent to share my nonpublic personal information! Transunion responded alleging that the accounts in reference in my statement letter attached to this complaint were verified but Transunion did not provide me a copy of the investigative consumer report as defined by Congress pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The FACT that pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ) no provision under the Fair Credit Reporting Act requires a financial institution to furnish negative information CONFIRMS that Transunion DEFAME MY CHARACTER AND RUINING MY REPUTATION! Due to defaming my character and ruining my reputation, I am not even allowed to open a bank account due to the bank telling me that I am high risk due to over 16 soft inquiries on my credit report. Let it be known that not only are you violating the Fair Credit Reporting act but also violating the Gramm Leach Bliley Act for infringing on my privacy and sharing my nonpublic personal information without my consent! I have already provided my FTC report with the inquires that Transunion needs to remove. And yet Transunion is still infringing on my privacy and sharing my nonpublic personal information without my consent! I am under a lot of pain and suffering, lack of sleep and have high anxiety due to stress that Transunion has put on me to the point that I have loss the enjoyment of life!
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have tried to contact XXXX, XXXX, And Experian concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX Bank and XXXX XXXX XXXX XXXX ( Both FIVE STAR ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. XXXX XXXX  Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX Bank and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, XXXX and Experian.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (NY)

became aware of these fraudulent loans being opened under my identity due to receiving various calls and collection notices to my home address regarding multiple auto loans. This was later followed by XXXX notices and telling my address was a po box . Over the months i had contacted police the credit agencies and banks to try impose my rights and have these fraudulent accounts and inquiries removed. These fraudulent debts and violations have caused great damage to my credit report, They need to be investigated and renoved wuth urgency.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have accounts that are not correctly reported- XXXX XXXX XXXX XXXX XXXX XXXX you have it as I owe a total of {$9900.00} but this account is currently paid-off XXXXXXXX XXXX  credit ( XXXX  card ) you have it at {$4000.00} but its actually {$100.00} left on this account. this is the only XXXX card i have but yet you have my XXXX  card utilization at XXXX % mean while its a XXXX credit card and i owe but XXXX on it. thus intentionally holding down my XXXX XXXX with wrong information on my XXXX  report. 
- XXXX XXXX you have it as closed with a debt of XXXX meanwhile this account is currently paid-off. so all these incorrection information you using it to give me a low XXXX XXXX. my accounts are all currently and most paid-off but yet you keep dropping my XXXX XXXX which doesn't make sense to me. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that I f your fast to report accounts on peoples credit information you should be fast as well to update them. 
I will take legal action if i check next time and you have inconsistency with your reports on my account
Consumer complaint received 2022-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

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, 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 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 XXXX 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 2022-10-16
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. (MI)

I have two fraudulent accounts that are someone using my identity to open up these accounts. 


XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX. - {$1100.00} XXXX XXXX XXXX XXXX  - {$100.00} XXXX
Consumer complaint received 2018-10-02
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: NCC Business Services, Inc. (NY)

I had an account in collection in XX/XX/XXXX. It was for a little over {$300.00}. I paid it off in XX/XX/XXXX. On my credit report it shows as paid in full, but I want it completely taken off my report. I called NCC Business Services but they refuse to take it off. What can I do?
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have accounts that are not correctly reported- XXXX XXXX XXXX ( autoloan ) you have it as I owe a total of {$9900.00} but this account is currently paid-off XXXX XXXX XXXX ( credit card ) you have it at {$4000.00} but its actually {$100.00} left on this account. this is the only credit card i have but yet you have my credit card utilization at 80 % mean while its a XXXX credit card and i owe but XXXX on it. thus intentionally holding down my credit score with wrong information on my credit report. 
- XXXX XXXX you have it as closed with a debt of XXXX meanwhile this account is currently paid-off. so all these incorrection information you using it to give me a low credit score. my accounts are all currently and most paid-off but yet you keep dropping my credit score which doesn't make sense to me. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that I f your fast to report accounts on peoples credit information you should be fast as well to update them. 
I will take legal action if i check next time and you have inconsistency with your reports on my account
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-13
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-10-16
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. (PA)

After reviewing my credit reports I noticed an unknown creditor XXXX XXXX XXXX XXXX XXXX XXXXeporting a credit card account that I didn't open. I tried disputing this account online on XX/XX/22 and had unsatisfying results. I am now concerned about identity theft and fraudulent activity so I filled an ftc report with the federal trade commission.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

I had a auto loan with GM financial started in XX/XX/XXXX. The vehicle was repossessed XX/XX/XXXX, Charged off in XX/XX/XXXX. In XX/XX/XXXX the report changed to claim this vehicle was again reposessed. Each month thereafter, the status shows as XXXX until XX/XX/XXXX where the account changes to charge off. They claim the account was closed XX/XX/XXXX. I found this out when trying to obtain a new car loan. The bank denied me because my credit showed a repossession within 6 months ( they claimed the report said repossession was in XX/XX/XXXX ). I filed a dispute with all three credit bureaus. GM responded that the account is accurate, but updated the information. No changes have been made to the account. The time line still shows the same vehicle reposessed in XX/XX/XXXX, charged off in XX/XX/XXXX which remained the status until XXXX of XXXX when the previously repossessed vehicle was magically reposessed again. The status remains as XXXX until XX/XX/XXXX when the status changes to charge off. I do not understand how this information could be verified and considered accurate. The account should be closed as of the proper amount of time the creditor normally requires. A repossession can not be reposessed again! As a result of this erroneous information, I was denied the loan.