davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (MD)

I have tried to fix this with Equifax. Someone opened a card in my name from XXXX. I have disputed this with all 3 bureaus. All of them have erased the fraudulent information except for Equifax. The last complaint I sent, they said they would look into it. They sent me an updated credit report a few weeks ago stating that the information wasn't on there. And this morning they stated that the information was updated and mines. Again, how are they verifying the information, when the the credit card company itself is saying it was a fraudulent account?
Consumer complaint received 2022-10-25
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. (NJ)

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 XXXXXXXX, 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 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 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2021 I attempted to cash a check from my own business account at a local BBVA bank in XXXX, Texas. The bank branch manager refused to cash the check and the reason was that the check was dated a few days after 6 months from the present date and that they were not allowed to cash it. Considering that this is my own business account and there are more than enough funds available to cash the check there is no reason for the bank not to honor the check for cash. Further, this account has been in existence with this bank for over 35 years and never has there been a notice of such an expiration date. I request your office 's assistance in getting this trivial matter resolved. Any assistance you can provide on this complaint will be greatly appreciated.
Consumer complaint received 2022-04-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Child Support 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
Consumer complaint received 2021-05-14
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. (CA)

a fraudulent account was opened using my personal information. my personal information was stolen due to the data breach from XXXX insurance. i was made aware of this by XXXX XXXX. 

The account was XXXX XXXX loan for XXXX. I have attached a notarized FTC affidavit of identity theft and the letter from XXXX insurance indicating my personal info was stolen.
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NJ)

To whom it may concern, I have a charge off from SYNCB/TOYSRUS that is still listed on all of my credit reports. 

I called several times regarding this and was told by SYNCB/TOYSRUS company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from XXXX SYNCB/TOYSRUS ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX  and XXXX ) as they had promised. 

Card Detail : SYNCB/TOYSRUS Opened XX/XX/XXXX ( 6 yrs, 4 mos ) Closed XX/XX/XXXX Thank you for your time, efforts and assistance in having this removed, I am grateful.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2024 XXXX contact all XXXX Credit bureau, transunion, XXXX, and XXXX advising the reps I noticed some unverified and unauthorized inquiries on my credit report that I would like to be removed. However the rep didnt want to assist with fraudulent reporting on my credit report
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Dot XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.
Consumer complaint received 2020-12-17
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. (NY)

on XXXX XXXX, 2020 -there was a fraudulent inquiry made at XX/XX/XXXX to get credit & it appeared on my transunion credit report. i never made this inquiry & contacted XX/XX/XXXX immediately & then transunion. however, it still appeared on my credit report as an inquiry & lowered my credit score for no apparent reason other than fraud. therefore, i would like this inquiry removed! asap!! 

on XXXX XXXX2020 -another inquiry was made again at XX/XX/XXXX & this appeared on my XX/XX/XXXX credit report. 

both fraudulent inquiries appears as one inquiry on my credit report, regardless, i would like the fraudulent inquiry removed. ASAP!!! 

I DID NOT REQUEST THE INQUIRY & SHOULD NOT SUFFER A LOWER CREDIT SCORE AS A RESULT OF FRAUD! PLEASE REMOVE ASAP!!
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Transunion to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, US DEPT OF EDUCATION 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 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, US DEPT OF EDUCATION 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 2022-04-11
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. (LA)

In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number Equifax : ******** XXXX : ****** XXXX : XXXX
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (FL)

Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A DLA FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (FL)

Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A XXXX FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GVA Holdings, LLC (WI)

I was advised that I was approved on Friday XXXX/XXXX/2015. I had to call back to provide my debit card number. I was assured I was approved on Friday and when I called back on Monday, I was again assured that the loan was approved. However, no funds were deposited on Monday XXXX/XXXX/2015. I asked for my bank balance and the loan was denied after giving my bank balance after underwriting was contacted. 1. My loan was approved on Friday. 2. My balance has nothing to do with an underwriters decision from Friday but denied today. 3. As a result of their actions, I am in deeper debit by - {$640.00}. 4. I asked why was n't I informed of this deicision before now? He had no comment. I asked for a review of this decision but I was denied. The manager refused to give me anything other than his first name : XXXX and stated he will send me an email by XXXX. I signed a contract by eform and the loan was approved but the leader refused to issued to loan or pay for the fees resulting in misinforming me.
Consumer complaint received 2018-08-09
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. (MI)

In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XX/XX/XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXX  XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX : ******** XXXX : ****** Transunion : XXXX
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (VA)

On XXXX 2015 I received a notice from Experian stating my personal information was stolen while in their possession, they are offering me XXXX for two years to help with this problem, ( but i must be willing to allow them to SHARE my personal information with others for AD purposes to acquire this service ) that 's not acceptable. what can I do to receive the service and not have to give up my personal information out to be stolen from other sites!!
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NJ)

I made my second to last lease payment of {$390.00} with US bank before the XX/XX/2016 due date. I received a call on XX/XX/XXXX that the payment was not received. I explained that I made it online, and they said that the information must have not been entered correctly. The US Bank website is truly awful with no way to even save your banking information, it must be manually entered every month. I made another payment online that day. I received another call on XX/XX/XXXX that the payment was still not received and it was over 30 days late and may come up on my credit report. I also received a letter after that stating that it was over 30 days. In the 36 months of this lease, and all my financial responsibilities for that matter, I have never been late with a payment. My credit is perfect when it comes to on-time payments. The website malfunction was not communicated properly until it was too late. I should have received at least another call or a letter prior to the the 30 days. I finally made the payment over the phone on XX/XX/XXXX to make sure it was received. I wrote a letter to their CRA management office with no response and I have disputed this delinquency with the credit bureaus with no resolve to my satisfaction. I was a great customer and I believe I deserve better.
Consumer complaint received 2019-01-14
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: EQUIFAX, INC. (IL)

I disputed XXXX XXXX XXXX back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation : Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX. to XXXX XXXX. Monday Friday in your time zone. 
Now on XX/XX/XXXX, this account has been added back to my credit report.