davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (TX)

I am an XXXX  and won a car for winning the 2018 XXXX XXXX  of the Year competition in XXXX, as well as a XXXX XXXX. 
I ended up upgrading to a XXXX XXXX, so this car is very memorable to me and my son ( single mother ). I have communicated with Ford Motor Credit regarding my difficulty in paying the car notes via telephone on numerous occasions. They allowed me a deferment of two months during COVID and no extra help since then. I called back to let them know that I was displaced out of my apartment due to a carpet beetle infestation and had to spend over {$3000.00} trying to remedy the situation myself. On XX/XX/XXXX I made my last payment ( see attached ), missed XXXX due to unable to live in my apartment ( bot flies have infested my skin from my apartment and I have fighting an uphill battle with expenses in general. My account representative with Ford Credit instructed me to at least pay something, which is what I did on the XXXX, didnt post until XXXX. I also made a payment the previous month on XXXX ( see attached ). Yet, XX/XX/XXXX it was taken back without any concern. I have a XXXX XXXX called XXXX and now I dont have a car at all!!! When I called today on XXXX to figure out what I owed, I was told by Redemption that I had to pay it off to get it back in the amount of {$28000.00}. I cant afford that as an XXXX? I have a son at home and this is an emergency state we are in. Please help.
Consumer complaint received 2022-07-13
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. (GA)

Someone has been making inquiries on my credit report and now there are 2 unauthorized hard inquiries on my credit report that I need removed. They are causing a lot of stress in my life and to my family as it if affecting my credit. One of the inquiries I was not even living in the country  at the time. 

Inquiry XXXX : XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Inquiry 2 : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX - Acct # XXXX ( Inaccurate open dates ) XXXX XXXX  - Acct # XXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX - Acct XXXX XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report. 

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 

I have attached copies of relevant documents supporting my claims for your review and reference. 
Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to address discrepancies identified in my recent credit report. Upon thorough review, it has become apparent that there are several inaccuracies and unverified entries adversely affecting my credit score.
Consumer complaint received 2022-07-13
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
9. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
12. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
13. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
14. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
15. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-07-13
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. (GA)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 
15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

To whom it may concern, I am writing to explain the frustration and concerns I have with Bank of America Credit card services. I have had this specific credit card since XXXX and was recently offered a 0 % for 12 or 18 months on balance transfers. I took advantage of this offer in XX/XX/XXXX transferring about {$9000.00} of my {$12000.00} credit limit to this card. I received notification from Bank of America recently that they had closed my account. I then called the Bank and was told that by me transferring the {$9000.00} theyre systems saw this as increased risk and therefore they decided to close my account. My issue here is why would they have this promotion if they were just going to see this as increased risk and close customers accounts as a result? By them closing my credit card my credit score suffered as a result.
Consumer complaint received 2023-04-05
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. (TX)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-04-05
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/2010 Balance : {$0.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have tried to fix this problem but the credit card company doesn't want to fix the problem. XXXXXXXX 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 All of these companies are not mine and I would like you to research these to see if they are mine and if not delete them from my credit account. On the XXXX  15 USC 1681 Sect. 602A States that I have a right to pvcy. and that Consumer agcy. can't put thing 's on credit that is 15 USC 1692C 604A.
Consumer complaint received 2022-07-13
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (GA)

MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2018-02-01
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. (TX)

Equifax keeps lowering my credit score even though I have not had any late payments etc. The first time they lowered it by 30 points with no explanation and today I saw they loweted it by 5 more points with no new accounts etc.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (CA)

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 an account without my written instruction.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. XXXX for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that XXXX and Transunion initially blocked those two accounts, but they re-appeared months later.
Consumer complaint received 2022-07-13
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. (IN)

Equifax and XXXX continue to report a collection account from XXXX XXXX XXXX. I have never had any business with XXXX, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by XXXX or XXXX. I just ended up paying XXXX but XXXX continues to report. I would like the XXXX collection removed from my credit. It is damaging my Fico scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested XXXX to give me verification of this account to prove it is mine. I also asked for the same verification from the TransUnion and XXXX. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!
Consumer complaint received 2022-11-17
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. (NJ)

I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

XXXX/Experian report the account as Closed ; XXXX reports it as Open XXXX reports a different balance than Experian/XXXX  All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.
Consumer complaint received 2024-02-12
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. (TX)

On XXXX I received a notification about a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX. 

I called the company to notify them that the activity was fraudulent and they notified me that the account has been closed, but they would need to do an investigation that could take up to XXXX days before it reaches the credit bureaus, especially Trans Union since that is the only one the inquiry is currently being shown on. 

TransUnion is telling me they need a letter, but I can't provide a letter that I don't have from the lender and I want the inquiry removed from my report ASAP. 

So essentially my complaint is against both the lender and TransUnion for this inconvenience. 

Lender info is XXXX
Consumer complaint received 2024-02-12
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. (KY)

I did not give consent to TransUnion, authorization, nor benefit from any of the following inquiries. Inaccurate Information : 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. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. Please Delete these immediately because I gave No one permission, Nor did I authorized anyone to run my credit, or to release my information ( U. S. Code 1681b, Permissible Purposes... ). I also have the right to privacy according to the FCRA 15 U.S. Code 1681 section 602 A. This is a grave violation of my rights as a consumer, so delete this Hard Inquiry off my credit report.
Consumer complaint received 2023-04-05
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

This XXXX XXXX collection agency is attempting to collect an alleged debt that is well past the Statute of Limitations for both credit reporting or legal action. The business can immediately cease and desist all communications. The Phoenix account number is : XXXX.
Consumer complaint received 2023-04-05
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$37000.00}. Please update this accounts.