davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently submitted a request for an investigation of the disputed account, which CREDIT BUREAUS claimed was verified. Since I believed they didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. CREDIT BUREAUS records show that it was incorrect. Since the investigation was done improperly, I need this to CORRECT of the listed account from my file pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) XXXX XXXX Balance Owed : {$950.00} Please confirm the information shown in this account is 100 % accurate or FIX this account information from my credit report because I believe it may be erroneous.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

Discover Bank Account # XXXX, I just recently viewed my credit report and noticed that an item was turned into a charge-off. I never received a 1099 and was wondering could you please send me a 1099 for the alleged item that is reporting as a charge-off on my credit report.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (ME)

I have a large medical bill. I have been paying monthly payments that are automatically deducted out of my checking account. Last year or so I received a letter in the mail saying that I was in collections and I was going to have a negative impact on my credit score because I was delinquent in paying my medical bill. When I spoke with the person he was very rude, nasty and said that I was in collections because I did not pay. I explained that this was wrong because I have a monthly payment plan and the money is taken out of my account automatically. He told me that I had to pay almost {$900.00} otherwise it would show up on my credit score. I paid it even though I did not have the money, that was the whole reason for having a monthly payment plan. I still owed money after that I continued to have monthly payments automatically taken out of my account. XX/XX/XXXX I paid off the balance with my new XXXX  card that i have with me new employer. XX/XX/XXXX I paid {$920.00} with my XXXX  card. but then I was notified by the XXXX that I could not do that because XXXX  was only to be used for new accounts/bill from XXXX. I called Amcol and explained this to them and asked them to refund the payment. I was told that the payment had not gone through yet because it was still pending so I was all set. Amcol was taking monthly payments from my account. I called Amcol again in XX/XX/XXXX and they said that the {$920.00} payment did not go through and that they were taking money automatically out of my account. In XXXX I tried to use my XXXX card for a bill and it was declined. I was told that it is declined because of the {$920.00} payment to Amcol. I called Amcol numerous times and all I could do was leave a message, I left messages with my info and contact info. I never heard back. There were 2, 3 way phone calls made to Amcol by my XXXX  with me, anthem and Amcol to fix this situation the calls were in late XXXX and in XXXX. We were told that they would be refunding me the {$920.00}. So, they have not refunded the {$920.00} and they are still taking monthly payments out of my account. They are taking monthly payments out of my account even though this debt was paid off at this point since they did get the money from my XXXX  that they supposedly never submitted. Also, I explained to them that they have not send me a statement since XX/XX/XXXX and they tell me that they don't send statements for long term payment plans. They have been paid in full and they are taking monthly payments out of my account. No statements showing what I have paid or what I owe. I called them last week to get a status and they told me a check was sent XX/XX/XXXX. I just received a check and it was for {$80.00}. They are in a sense, stealing my money at this point. I have filed a complaint with XXXX  and I am going to contact my state representatives and delegates and will have to get a lawyer. All of this is unacceptable. I am hoping someone will help me with this issue.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I am filing this CFPB identity Theft Affidavit to report a fraudulent account appearing on my Chex System 's consumer report which i do not recognize as reported and which are the result of identity theft and fraud. This Fraudulent account consist of a bank personal checking account opened at XXXX XXXX XXXX XXXX under XXXX # XXXX, closure date XX/XX/year>, charge off balance {$450.00}. Inaccurate addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. Inaccurate names XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts have resulted in fraudulent charge offs, hard inquires, and personal information appearing on my Chex Systems consumer report and XXXX Credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and Chex Systems consumer reports, that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chex Systems credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Notice to agent ( s ) is notice to principal ( s ). Notice to principal ( s ) is notice to agent ( s ). 

I am writing to dispute inaccurate information on my consumer report related to the following accounts : XXXX. XXXX Account XXXX : XXXX XXXX : Account charged off ; {$2100.00} written off. 
Dispute Reason : This account was charged off and written off as income, per IRS regulations, and can not legally be reported on a credit report. I demand its immediate removal under 15 USC 1681e ( b ). 

XXXX. XXXX XXXXXXXX # XXXX Account Number : XXXX XXXX : Account charged off ; {$450.00} written off. 
Dispute Reason : Charged-off accounts considered as income should not appear on a credit report. Remove this account per 15 USC 1681e ( b ). 

XXXX. XXXX  XXXX # XXXX Account XXXX : XXXX XXXX : Account charged off ; {$1300.00} written off. 
Dispute Reason : As with the above, this charged-off debt has been written off and reported as income, which must not appear on a credit report. Please delete this entry in accordance with 15 USC 1681e ( b ). 

XXXX. XXXX XXXX. 

Account XXXX : XXXX Status : Account charged off ; {$240.00} written off. 
Dispute Reason : This account is incorrectly reported as charged off. As income, this can not be legally included in a credit report. I request its deletion under 15 USC 1681e ( b ).

The Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) requires that your company ensures the maximum accuracy of any information included in a consumer report. Reporting charged-off accounts that have been written off as income violates these legal requirements. Additionally, 15 USC 1681a clearly outlines the exclusions for reporting information like charge-offs, which are treated as income.

Resolution Requested I demand the immediate deletion of all aforementioned accounts from my consumer report. Additionally, please send me a free copy of my updated consumer report reflecting these corrections.

Failure to comply with my demands will result in legal action against your company, and I will seek damages of {$1000.00} per violation for defamation of character, negligent enablement of identity fraud, and willful noncompliance with the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (GA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-23
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. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # 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 XXXXXXXX, 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 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 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American Capital Enterprises, Inc. (CA)

American Capital Collections reported medical claim to XXXX at 76 days, although I was working with XXXX offices and insurances and i understand credit reporting should not occur until after 120 days. Received 1st letter from American Capital XX/XX/XXXX, call and disputed, received verification XX/XX/XXXX, then they reported to XXXX XX/XX/XXXX. Reducing my credit score XXXX points. {$700.00} amount reported. Since then, American Capital has called me, XXXX was rude and condescending and hung up on me when I informed them that our conversation was null and void since they already placed judgement to XXXX. Currently I am on the 2nd level of appeal with XXXX XXXX, however since XXXX XXXX XXXX did not provide XXXX the necessary information requested. I do not expect XXXX will pay.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

Purchased merchandise through a company. Received an invoice from them. Went to the TD Bank to do a wire transfer. this happened on XX/XX/2022. Did not receive my merchandise, apparently this Company is Fraud. The Main office is located in XXXX XXXX XXXXXXXX, NY and the instructions I received was to transfer the money to a Bank in XXXX called XXXX BANK. Did not receive my merchandise. Went to the Bank filed a complaint on XX/XX/2022. It usually takes time to make a XXXX XXXX XXXX for a XXXX, that's why it took some time for me to go and file a complaint. The company was in touch with me throughout the entire time and confirmed that the funds were received and merchandise is being shipped ( never shipped ). I tried to reach out XXXX times and there was no answer. Called TD BANK a million times, they said case closed because XXXX BANK did not answer their calls ( hardly believe that ). The amount wired was {$11000.00} ( not a small amount ). I have to take a loss of XXXX and I have to deliver the merchandise to my customer that has paid for the transaction. Please help me retrieve my funds. I am a small business trying to make ends meet during this difficult time. Also visited the branch numerous times and was told that they cant help me w International wires and I am not insured nor am I protected in any way at all. Its hard to believe that the Bank that I bank with for many years can't help me!! 
My Company name is : XXXX XXXX XXXX Located : XXXX XXXX XXXX XXXX, XXXX, NY XXXX - Tel # XXXX
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (WA)

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 appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, XXXX is required to verify the information and status of the account being reported on my Credit Report. But in my case, they have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Aim submitting this complaint to you today to request that they provide me copies of documents bearing signature to verify the status of the disputed accounts. If XXXX failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Late Date XX/XX/20
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate.

I am putting you on notice that all Late payments being furnished on my consumer report is illegal.

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( Transunion ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.
Consumer complaint received 2022-12-01
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. (CT)

I am submitting this CFPB complaint to you today to request to you to correct my Credit File from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$130.00}