davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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. (CA)

On XXXX XXXX Equifax sent me a letter notifying me that the report they removed off my credit would be put back on. Equifax put XXXX XXXX back on my credit report and damaged it and dinged my credit report XXXX points. Equifax is now reporting false information on my credit report. The loan was for 60 months and started on XX/XX/XXXX the whole loan amount was {$20000.00} with down payment. Equifax is reporting the original loan amount is {$11000.00} false statement, Equifax is reporting the amount I have paid is {$9200.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19.00} XXXX plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19000.00} plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement my last payment was {$320.00}, Equifax is reporting my last payment date was XXXX XXXX false statement it was XXXX XXXXEquifax is reporting 120 days past due false statement. Equifax is purposely and maliciously ruining my credit. I fell out of escrow last year due to Equifax false reporting and not removing account and false information in a timely manor.Equifax sent me a letter of reinsertion and that has wrong and false information.Aparently Equifax does not care about reporting correctly and they dont care to remove a account permanently when information is not correct since I have been complaining about this account for over a year. Equifax removed the false information one time and then put the same false information back on my credit report I have 16 disputes with Equifax and all are for false or inaccurate information on my report and and over half give or take or for the same account credit acceptance. I called Equifax and spoke with Supervisor XXXX badge number XXXX and he was to open a dispute and investigate the issue no dispute was ever opened by the EQUIFAX Supervisor.XXXX XXXX  has been sued by the attorney general in for bad loans and subprime loans and bad lending practices .A 60 month loan at {$320.00} a month since XXXX XXXX is more then the {$9200.00} being falsely reported since XXXX.
Consumer complaint received 2019-07-22
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. (GA)

I contacted Transunion to help me dispute some hard inquiries that are reporting on my credit that were unauthorized and affecting my score. They told me that I need to reach out to the creditors myself which I have already done and am unable to get any assistance that way. I need for the following Inquiries which were not authorized to be deleted immediately of of my Transunion credit file. 
XXXX  XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 Please have my credit file updated and these inquiries removed.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact XXXX XXXX  for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit
Consumer complaint received 2022-05-15
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: The Aligned Company DBA Extra (IN)

There is an account on my credit report Extra that does not belong to me. I contacted the credit bureau XXXX with a dispute. They supposedly investigated and the company told them it was my account w/o any proof. 

I called XXXX and was told that my next step would be to file a complaint with the FTC. 

This Extra account started showing up on my credit report in XX/XX/XXXX with a XXXX balance but since XX/XX/XXXX it shows a balance of {$25.00}. Im concerned about this fraudulent account that somebody is trying to get loans in my name. This is NOT my account. I tried to contact Extra. They have a California address and a New York phone number. When I called the phone number I got a voicemail wanting me to leave detailed information about myself w/o being able to talk to a person. 

Please investigate and get this removed from my name and my credit reports.
Consumer complaint received 2022-05-15
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)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this complaint to make it known that you are violating my rights because you do not update my information correctly. 
I have attached copy of report with all incorrect information that are boxed/circled. 


The following is the only personal information I want on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX DOB : XX/XX/1982 SSN : XXXX Employer : XXXX XXXX XXXX. 

I need you to remove all other names, last name, Previous addresses and old employers from my report,
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (GA)

Had unauthorized charges on account, disputed, no one ever contacted me. Also, had a separate account with nearly {$2000.00} that was not linked to the one in reference, can not access it. Also, during the same time frame, I was not able to log on or get any information from automated system.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This account of XXXX XXXX XXXX is fraudulent. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit report from this company .Delete this account immediately.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (FL)

For about a year now, A debt that does not belong to me has been rebaught by XXXX XXXX. And it's affecting my credit worth. I disputed it before and it was removed from my credit report long ago. Now experian still has it on my report. XXXX XXXX started reporting this debt as of XX/XX/2021. Stating that I owe {$4300.00}. This was being reported in all 3 bureaus. XXXX and XXXX has updated my report except experian that keeps reporting this false debt
Consumer complaint received 2022-05-15
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. (IL)

In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( AND ) 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.

my rights were violated by the three bureaus by reporting these two accounts : XXXX ( Dismissed ) and XXXX ( Discharged ).
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX  2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017 + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, 2017
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a cashier 's check into my Bank of America business account. The bank placed a hold on the entire deposit and throughout duration of the hold reported negative daily balances and assessed multiple overdraft fees. In an effort to resolve the foregoing, I made numerous phone calls to the bank to inquire why the hold amount was reported as a negative balance and why the bank charged overdraft fees and which it refused to refund. Let alone the deposited amount on hold is not subject to credits or debits until it is cleared, the bank should not charge fees from consumers for their own invented policies.
Consumer complaint received 2022-05-17
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. (AZ)

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX # XXXX, XXXX XXXX Account # XXXX and XXXX 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
Consumer complaint received 2022-05-15
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, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( AND ) 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.

my rights were violated by the three bureaus by reporting these two accounts : XXXX ( Dismissed ) and XXXX ( Discharged ).
Consumer complaint received 2022-10-13
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. (PA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX,
Consumer complaint received 2022-05-17
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: CITIBANK, N.A. (CA)

I requested a credit limit increases via the Best Buy app, but DID NOT consent to a hard credit pull. They claimed that an increases could be honored immediately. Very misleading and no notice about the hard credit pull
Consumer complaint received 2022-05-15
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. (IL)

XXXX and Experian are erroneously reporting a bankruptcy on my credit report. I have disputed this several times. XXXX is the only bureau that complied to my request. I have a XXXX reporting allegedly from th

e U.S. Bankruptcy Court, which is false. In addition, per FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy. AND 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 my rights were violated.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2023, i disputed and account on my credit report which seems to be there in error. I filed an FTC report and i followed all steps governed to me by federal law 15 U.S.C 1681c-2 a block of information. I sent this letter to the credit bureau with no response. To my understand, once the steps are completed to black erroneous information the bureaus have 4 business days to block this account. XXXX is the tradeline that is current and beyond the 4 days the law allows. I reached out to the CFPB via complaint ID XXXX on XX/XX/2023 asking for additional assistance and still has yet to receive any updates nor responses. Federal Law 15 U.S. Code 1681c-2 states 4 steps need to be completed in order for a company to black information from your profile and as of XX/XX/2023 the credit bureau is in violation of a response within 30 days of receipt of a dispute and also 4 days in responses to a block dispute. Please maintain 100 percent accurate record keeping as youre governed to do so. Block this inaccurate, and incorrect account from my profile.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-15
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : Chapter XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (MA)

to whom it XXXX concern. I hereby inform the company Midland Credit Management Inc that I have already appeared in court twice regarding the same thing, I have lost time from work to try to resolve this matter. They are blowing up my rights. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) They say that I have an obligation to them and they have never shown me the contract with my signature with the supposed original creditor of the original purchase by which this alleged debt was supposedly created. I believe and understand that the only reason they are taking me to court is because they have no real power and there is no real debt or business between them and me. 

Here I leave you proof of my card that I currently have with XXXX XXXX XXXX  from a week ago that was approved, which would not happen if I had had another card with them and it would have looked bad, I also have another card with XXXX XXXX XXXX with more than 3 years and it is open and it is my main credit card.