davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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. (HI)

XXXX XXXX is reporting that I opened an account with them in XXXX and defaulted on said account in XXXX and that information is not true. I have never spoken with, been contacted by, or opened any accounts with XXXX XXXX. 

I reported this to Experian Credit Bureau and after 48 hours they responded saying the account meets FCRA requirements. They didnt do a thorough investigation. 

XXXX XXXX has a negative reputation for this predatory form of extortion. They are destroying my credit. My Experian score plummeted 85 points from this illegal reporting. From XXXX to XXXX. I have zero late payments on accounts and before they reported this false information, I had zero collection accounts.
Consumer complaint received 2017-07-25
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: SYNCHRONY FINANCIAL (GA)

XXXX XXXX 2016, I received an hard inquiry on my credit report to my knowledge I did NOT give consent to. In requesting I will like to see validation of my consent and signature giving to this company to pull my credit.
Consumer complaint received 2022-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NC)

A billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00} XXXX also reported the month of XX/XX/XXXX as late but according to the transaction history the payment was made XX/XX/XXXX which is before the due date. 

Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest. 
For an example : Principal Interest XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} ( {$220.00} ) ( {$350.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} -- ( {$570.00} ) - XX/XX/XXXX XX/XX/XXXX ( {$1700.00} ) {$26000.00} ( {$880.00} ) ( {$860.00} ) XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$570.00} ) {$27000.00} -- ( {$570.00} ) -
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

on XX/XX/2018 I received my response back from credit acceptance from the cfpb and credit acceptance stated that I agreed to settle my account 50 %, I didn't agree to that, credit acceptance need to send me proof of this,,, because I was informed the car was paid off, that's how I got my title .... send me proof of me singing the offer, because I don't recall accepting that offer,,, the car was paid off,,, please remove the account from my credit file,
Consumer complaint received 2022-12-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bofa continues to refuse to provide statements for several unknown accounts or to allow investment accounts to be transferred by XXXX XXXX XXXX. 
XXXX XXXX XXXX has informed XXXX XXXX at BofA XXXX that he wishes to transfer his accounts. 

I have power of attorney on these accounts, and BofA is aware of this. 

Please see the attached evidence of the fiduciary breach and unwillingness to follow client instructions for over 10 years by BofA, as it pertains to XXXX XXXX accounts. XXXX XXXX is a retiree. 

Thank you for your help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules. 

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions. 

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair credit Reporting act XXXX Acct # XXXX in the amount of {$680.00} 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 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION (MD)

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/XXXX I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (NY)

I received a phone call from Ameritech back in XX/XX/2017. I was told if I paid {$82.00} a month for the next 10 years, my loan would be forgiven. The money started being electronically taken out of my checking account under the name XXXX on XX/XX/2017 for {$74.00} and then {$82.00} each month after. They continued to call me and ask for a copy of my tax returns and my signature which I did not give them. The money was still being taken out of my account I thought it was paying my student loan. when I was notified from the XXXX XXXX XXXX about a lawsuit and the money did not go to my student loans, I called Ameritech to opt out and ask for a full refund. They refused to give me the full refund and said they could only give me {$200.00}.
Consumer complaint received 2024-03-03
Product: Credit reporting 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. (AZ)

XX/XX/2024 I disputed 2 unauthorized hard inquires on MyEquifax portal after reviewing my current consumer report. Equifax claimed that the 2 unauthorized hard inquires are factual and did not delete nor investigate my dispute thoroughly. I already contacted both companies XXXX and XXXX XXXX XXXX and they have not provided me with proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. By Equifax violating the law I feel my identity will continue to be at risk.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dyck-O'Neal, Inc. (TX)

I had previously tried to get Dyck O'Neal to correct their improper reporting on my credit reports. This last time they finally listed the original creditor which proves they are indeed a collections account. Yet they are not listed on my report as a collections account but rather as an open loan. So this makes my account look like I haven't made payments on a recent loan these past 120-149 days. The first deliquency was XX/XX/2016. This is basically termed, 'parking a debt ' to make it appear newer than it really is and is thus illegal. I have told them I am willing to pay the debt provided they furnish me a true validation that they own the debt ( not just them saying so and not a contract with the XXXX or bill, but a purchase agreement between them and the XXXX  or a simple letter from the XXXX on XXXX company letterhead ) AND they correct the illegal parking tactic reporting they put in my report. Just correct what is wrong. That's it. No deleting, just accuracy. I even asked if I could disputed the inaccuracy and they just not reply, because they are wrong, but they declined stating they must accurately report to the agencies by law, though they are inaccurately doing so. I'm running out of available options and feel that the company 's tactics infringe on my rights.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (ND)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB - AUTO FINANCE for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Exeter Finance, LLC. (MD)

I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion continues to use malicious practices against me. I ask for transaction history only to be removed to XXXX balance from my credit report as the FCRA says I can because that is illegal not for my credit card account to be deleted and they deleted my whole credit report when they previously put XXXX  loans and mortgage on there thats never even been mine who permissible purposes, that reporting transaction is illegal not the removal of my account in full and the rest of my accounts now I dont have a any accounts or I dont have a credit score and why has XXXX XXXX and all of my other things been removed I never requested that. XXXX XXXX has also been removed from XXXX and XXXX as well this is not what I ask for and the law doesnt require me to have the full amount removed but only the transaction balance
Consumer complaint received 2022-12-02
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. (TX)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (OK)

In 2018, I signed a TRAP agreement with XXXX XXXX in order to get my XXXX. The agreement was that I work for them for a year and owe nothing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened at the XXXX XXXX in XXXX, CA in XXXX of 2018 in a public area and was in fact filmed from multiple directions with audio. I attempted to file charges but the other employee said he was trying to help me because I tripped. I didn't trip. Cameras confirmed that. I reported the incident the next day and XXXX XXXX did nothing. I quit because I did not feel safe and discovered that because I left before the agreed time that they put a NEFR on my record and have put a derogatory mark on my credit. I do not feel that it should be legal for a company to ignore blatant safety issues that are on record nor punish an employee for leaving when they feel their safety is in jeopardy.
Consumer complaint received 2022-10-07
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-07
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: CLGF Holdco 1, LLC (SC)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-10-07
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. (NC)

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.
Consumer complaint received 2023-06-11
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. (MI)

I have submitted documentation that XXXX, XXXX, and Equifax have been sharing improper accounts on my credit report. They are in violation of code section 609. 

XXXX is reporting inaccurate account : XXXX XXXX  XXXX Equifax is reporting inaccurate account XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXX, and XXXX XXXX
Consumer complaint received 2021-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (KS)

I tried to finish my XXXX XXXX for XXXX XXXX and was unable to complete the work because no one provided me with the books for the classes so there was no way to do the homework or course work. So by the time I dropped out because no one would help me it was a little to late with some of my loans and pell grants. But I at least emailed them once a day and never received a response. I don't feel this is my burden to pay.
Consumer complaint received 2024-03-02
Product: Credit reporting 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. (NY)

I am writing to request removal of the following information that appears in error on my consumer credit report. The information which appears on my report does not relate to any usage that I have made. It is a result of improper use of my credit information. 

I am writing to file a formal complaint regarding the incorrect usage of my credit information and potential exposure to the dark web. I recently discovered several unauthorized transactions on my credit report, which have led me to believe that my personal information may have been compromised and utilized for illegitimate purposes. 

Upon reviewing my credit report, I noticed transactions and activities that I did not initiate or authorize. These transactions not only reflect improper credit usage but also raise concerns about potential exposure to the black market. It is alarming to see my credit information being misused in this manner, and I am deeply troubled by the implications it may have on my financial well-being and personal security. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request that all unauthorized transactions and activities be removed from my credit report immediately. Additionally, I implore the bureau to implement measures to prevent further unauthorized access to my credit information and safeguard it against future misuse. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (NC)

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.
Consumer complaint received 2022-10-07
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)

In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}