davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (TN)

Everytime I try to file a dispute with transunion it instantly takes me to a feedback page.i cant get them on the phone ... .everytime I try to reach XXXX it says they dont recognize my account or tell me I dont have a credit score which I only see scores from transunion or XXXX... never can reach XXXX believe XXXX got my dispute... I shouldnt have any inquiries but for the 2 credit cards I qualified for ... XXXX XXXX XXXX XXXX XXXXXXXX ..ive never been late on any payments.i made 12 {$60.00} payments in one month on my XXXX XXXX card ... .I would max it and pay it off before a statement or due date ... ppl say never go over utilization and its true.but on a small limit card, you max it out but pay it all off before statement and it shows you need an increase and my nephew got {$2000.00} showing him that but you dont do it on a higher limit ... ive tried and tried to dispute everything on my report because I shouldnt have anything period but I cant get them
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

HI to whom it might concern, American Express. 

In XXXX I found my credit card didnt work. After I contacted the customer service, I was told that someone reported my credit card is a fraud, ( which is very weird because I followed their protocol to apply for this card and they approved my application ) and my account has been frozen and investigated for a month. In XXXX, a representative in Fraud department then told me the card they were supposed to investigate and suspend is someone else 's card but mine, because that one was applied with SSN. My card doesn't come with SSN, so she guessed probably they made a mistake to cancel my card. Now all my bonus points as long as my account were cancelled. And they refuse to reinitiate my card for no reason.
Consumer complaint received 2024-02-14
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. (GA)

After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. 
XXXX, XXXX and Equifax companies are unlawfully reporting an unauthorized inquiry on my consumer report. 
They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I have not initiated any transaction with the following 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 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 do know I have an account with XXXX  XXXX which the account was opened XXXX XXXX, XXXX ( XXXX mos ) and that inquiry is accounted for which is XXXX  XXXX on XXXX XXXX but the other Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-08-23
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (ID)

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I was affected by the data breach involving Equifax. When attempting to reach Equifax and demanding they remove all hard inquiries, collections and late payments. 

Per 15 USC 1681 a ( 3 ) and 15 USC 1681 ( a ) ( 4 ) " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Per 15 USC 1681 ( b ) " Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' I never consented to these inquiries and reported late payments and closed accounts. Equifax did not exercise their grave responsibility to meeting the needs of my consumer credit information in a manner that was fair and equitable to me, the consumer.
Consumer complaint received 2020-07-01
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: Santander Consumer USA Holdings Inc. (GA)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with you, XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

This item was deleted and you reinserted them without notifying me 5 days after this account was in violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (IA)

I disputed public record Chapter XXXX bankruptcy dismissed reference number XXXX with Experian by certified mail on XX/XX/2020. Experian responded back that the item had been verified as belonging to me in XXXX of 2020 and they listed XXXX XXXX as the furnisher of the Information. I then disputed the information with XXXX XXXX and on a later date ( XX/XX/2020 ). XXXX XXXX further found the Public record info was inaccurate and it was removed from my records there. They stated they would also notify anyone they furnished that information too that it was incorrect and should not have been reported. EVER. Experian was mentioned by name in the letter as a company they had given incorrect information too and that it would be resolved within 30 days with follow up letters. That I never received from either company. I would just simply request the information be removed from Experians records. They are incorrect and are not mine.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the erroneous information on my credit report : XXXX  XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

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 bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and REMOVE them immediately in my report : 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
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: HYUNDAI CAPITAL AMERICA (FL)

To whom it may concern, My lease expired in XXXX. My intentions were to purchase my vehicle but due to covid and lockdown restriction did not have the opportunity to go find a financial lender nor get a buy out from original dealership. Kia finance said they understand and gave me a 30day extension over the phone. On XX/XX/XXXX I spoke to KIA again and stated my wife was XXXX  and I would need more time, the representative said we will give you a 6 month extension all the way up to XX/XX/2020, as long as I paid the previous balance which was in amount of XXXX, which I gladly did. Fast forward my wife had tested XXXX  for XXXX  and it complicated birth plan including moving her XXXX that was schedule to remove her XXXX  due to the fact she is a high risk. On XXXX XXXX my XXXX  was born. Today XX/XX/2020 I woke up to find my car missing and according to KIA finance manager XXXX my car was repossessed. When I asked why was that when i had an extension and we had a agreement the said agreement was never finalized, rather than contacting me, they repossessed my only working car on a day my XXXX  had a doctor appointment for his 2 week check up. I asked why was I repossessed? did i owe you money?, he said no we actually have credit for you. I asked what was it then, he said because of a contract that was not finalized, I said but you have your money why could you not have just sent again I will gladly resign and submit he just kept telling me to bad nothing I can do. I pleaded and expressed the embarrassment in front of my neighbors, my wife post hormonal crying because of the stress of us not being able to make our babies doctor appointment and everything to no emotion or empathy just did not care. When I went to pick up my belongings, they did not allow me to get the things out of my car which they already had gone through and packed. I could not remember everything in car but the 2 most important things where my children car seats and my firearm, which they had gone through and taken apart. As well as now to receive my belongings I am being charged {$100.00} cash fee to get my own things that should have never been taken away in the first place during these challenging times. Which again I have barely left my house in over 2 months to avoid contacting or getting infected with the covid which would affect my wife newborn and XXXX XXXX XXXX. During this time of need I do not understand how you guys can tell me to pay my bill and when you find out I do not have a bill you hang up and claim a disconnect and say themselves they have no reason why this car was picked up. I feel very disrespected and can not believe the way I was treated after being a loyal customer for over 9yrs and not even get a proper apology nor explanation on why the events have occurred and brought such much turmoil to me and my family.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax ' s responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX
Consumer complaint received 2024-02-14
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. (TN)

Everytime I try to file a dispute with transunion it instantly takes me to a feedback page.i cant get them on the phone ... .everytime I try to reach XXXX it says they dont recognize my account or tell me I dont have a credit score which I only see scores from transunion or XXXX... never can reach XXXX believe XXXX got my dispute... I shouldnt have any inquiries but for the 2 credit cards I qualified for ... XXXX XXXX XXXX XXXX XXXX  ..ive never been late on any payments.i made 12 {$60.00} payments in one month on my XXXX XXXX  card ... .I would max it and pay it off before a statement or due date ... ppl say never go over utilization and its true.but on a small limit card, you max it out but pay it all off before statement and it shows you need an increase and my nephew got {$2000.00} showing him that but you dont do it on a higher limit ... ive tried and tried to dispute everything on my report because I shouldnt have anything period but I cant get them