davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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. (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 : XXXXXXXX XXXX  Dated : XX/XX/XXXX  Account name : XXXXXXXX XXXX Dated : XX/XX/ Account name : XXXX XXXX XXXX XX/XX/2022 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 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 2022-11-05
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: Experian Information Solutions Inc. (TX)

After reading over the last year to do my part to clean up my credit I have reach out to this website to help my use my consumer rights to help me with this process. I want to thank the CFPB for this platform and data and information. I was going over my credit report over this process and looking at all the inaccuracies on my credit report which I will put in a download file at the end of this dispute letter to the CFPB.I found out this through the FAIR CREDIT REPORTING ACT and 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  I XXXX, XXXX XXXX, XXXX XXXX,, has violated my rights. 

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

I have the right to have my personal information and consumer credit transaction my personal business that is between me and the " Person '' that I extend my credit too.

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 I have NEVER sent any of the consumer reporting agency ; XXXX, EXPERIAN, and or XXXX my written consent to plublish any of my consumer transctions. 

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. 

I have no crimes against me and I have the right again, to not have anything on my credit report that does not to do with the reporting of crimimal conviction in my credit report.This is backs up by ( 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2 ) 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. 

I will attach the file of my current Credit Report with the inaccuracies circled with all Three credit reporting agency.I have learned throughts the CFPB data base reseach that the credit reporting agency HAVE A VITAL RESPONSIBILITY TO REPORT 100 % FAIR AND ACCURATE INFORMATION BECAUSE ANY INACCURATE INFORMTION REPORTED COULD DAMAGE WAY OF LIFE THROUGH MY CREDIT.I thank you CFPB for you time and effort to help the consumer.
Consumer complaint received 2019-05-09
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: Exeter Finance, LLC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( XX/XX/XXXX,XX/XX/XXXX ) Exter finance ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX   XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

There is a collections account listed on our Equifax credit report through XXXX XXXX. It is also showing as past due. This account is NOT in collections and is NOT past due ; no other agency is reporting this as collections or as a past due account. 

This was a reaffirmation of debt when we went through our bankruptcy and have been making the payments on time as scheduled according to the agreement. The reaffirmation was for {$12000.00} and the current balance is {$8700.00}. We've tried several times to dispute this with Equifax and they are not taking care of it. It's effected my credit negatively and I need it fixed. 

Equifax will not allow me to dispute this online, it keeps telling me they can't find " me '' and I have to call. I've already written and called months ago and this is still showing up.
Consumer complaint received 2019-05-09
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: Experian Information Solutions Inc. (FL)

I have written the credit bureaus on several occasions About the accounts on my credit report. They have few refused to do a thorough investigation Which now I believe they have automated the entire process. 

I am asked for proof That the claim has been verified but I have not received a response and it is been 60 days. That counts that appear on my credit report have not been investigated and I simply asked for an investigation according to the FCR a standards. 

By law they have no right to report on my credit report without a legal investigation they must delete these accounts.
Consumer complaint received 2023-06-13
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. (NJ)

My name is XXXX XXXX. I recently noticed unusual activity on my credit report. Someone tried getting a car in there name and applying for multiple loans. also multiple accounts are on XXXX that I have no idea about they don't reflect on any other credit beura. multiple additional inquires include XXXX XXXX XXXX XXXX XXXX XXXX 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  reported on my report there are accounts that do not belong to me that i have no knowledge off such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU HAVE A BLESSED AND HEALTHY FUTURE
Consumer complaint received 2020-09-15
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. (MO)

Equifax should not be reporting that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-06-13
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. (VA)

My Equifax report continues to be incorrect. My mortgage was sold from XXXX XXXX XXXX XXXX XXXX I have attached the documentation to PROVE THIS LOAN WAS SOLD. The XXXX account should show a XXXX balance and closed. I have disputed this account for over a year now. All the other credit bureaus are correct. XXXX continues to state the account is correct because they are getting the correct account confused. Please review the loan transfer notice. I am getting declined for loans due to my DTI being incorrect. I AM BEGGING YOU TO CORRECT THIS I AM LOSING JOBS OVER THIS
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc. (CA)

My XXXX card was transferred to Comenity bank back in XX/XX/2022. 

Since then, I have been unable to register my card only to make payments. The telephone system keeps telling me I need to activate the cards. After I activated them for the 3rd time, I tried registering online and it gives me several different errors, 1 ) account information does not match their records, 2 ) the account is already registered. I have made three phone calls and have discussed the issues with the representatives. They informed me that they were aware of the issue almost a month ago. I again called today and had to reactivate the account although this as done over 2 weeks ago, and this was confirmed by the representatives. The representative today was unable to helped me and referred the issue to his supervisor who will be looking into it. I advised i do not want to incur any late fees due to missing a payment because I am unable to log in. She informed me that my next payment is due in XXXX. 

After reading all the complaints and reviews from other customers in similar situations, i feel uncomfortable not reporting the issue as I do not think that they are following the banking regulations as the access to our accounts is not being restricted and after multiple complaints and reports of this issue on my part, I feel that are not doing anything to help and they are using this as a strategy to collect interest on balances with Zero interest rates. 

This feels like a scam that can affect everyone 's finances and credit rating. 

Please help. 
XXXX
Consumer complaint received 2019-04-06
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. (TX)

XXXX XXXX XXXX is reporting incorrect information on my credit report to Transunion. I have tirelessly contacted them directly many times regarding this unverified debt. I have requested an internal investigation into a {$2000.00} debt that is being reported. Upon doing so, I contacted the XXXX XXXX Apartments and they are not able to share any information they have on the debt. I spoke to the XXXX on the week of XX/XX/2019 and she was not able to find my name under this debt or the apartment number it claims to be under. XXXX XXXX XXXX is aware of this problem and is unrelenting in removing this debt from the credit report. Transunion is the only credit company currently reporting it, but is also unable to find further information and details regarding the debt, even after the investigation period. This charge has stayed on my credit report and continues to harm my score through Transunion. The apartments and credit company have requested information I do not have to investigate properly. XXXX XXXX XXXX has not been able to prove my debt due to insufficient information on the case.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I had made an online debit payment to a payee on XX/XX/20 for {$50.00} that was deducted from my account but not cashed by the intended payee that I had set up with Citibank 's service. After months of written requests and phone calls, they were finally able to tell me who cashed my check and where it was deposited. But, they were unable to explain how someone was able to intercept this check, forge my signature ( although it was made payable to my pharmacy ) and deposit it at an ATM into their account. However with this information I was able to file a forgery report with the XXXX XXXX Police department. Now the detective handling this case has asked me to ask Citibank for the location of the ATM where the check was deposited so they can then subpoena the bank for the camera footage which could then help them with their investigation and possibly charge the offending person with an additional crime. So here we go again with the incredibly disrespectful treatment of Citibank 's customers. Something needs to change. I have made 7 phone calls to the Citibank Executive response unit and they do not even have the decency to return a phone call. I have been told the person now handling my case is XXXX and his phone number is XXXX. It seems they will only respond when a complaint is made with this agency. So, again I thank you for your help, but more needs to be done in regard to Citibank 's customer service.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (TN)

CIT bank closed my account without any notice and froze me out of my funds. I have spent hours on the phone with them and they refuse to provide the reason for closing the account and will not tell me when I will receive my money back. I have been told I will receive a letter, but can not get a definitive date I will receive said letter. They then went back a week before the account was closed and cancelled all bill payments even the ones that had already posted. I have my checking and life savings account with this bank, so they have tied up all my money and I have been scrambling to try to go back and re-pay bills that were already paid without access to any money. I am now facing late fees for bills that were already paid because the payment was returned. This is abuse in my opinion and there is no reason for the bank to behave this way. I need to know when they will release my funds and exactly when it will be mailed out with tracking.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XX/XX/XXXX of XXXX I went to navy federal to see how much I owed them they told me I owed {$340.00} or $ XXXX.never did the teller say. Owed almost {$3000.00} or anything about money owed back for tax child credit. So when my son social security check was deposited into my account for {$2900.00} they took it and closed the checking account down.My son father died in XXXX so it was his back pay for XXXX and XXXX Im just beneficiarie.They never let me set up a payment plan or anything basically told me that there was nothing I could do about it.Social Security requested the money back and they closed my account.Im in distress and my son our living situation is behind because of the negligence of my bank whom I choose to trust with my finances.I really need you guys help. Social Security told me you would be my best option.sincerely XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well to no avail.
Consumer complaint received 2022-11-05
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. (IL)

This is my other 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 alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
CAP XXXXXXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX  Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. 

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.
Consumer complaint received 2018-09-20
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. (FL)

I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, XXXX, and Experian have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, Experian, and XXXX are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my right

s, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.