davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Since XX/XX/XXXX, I have been contacting Equifax to request that it block adverse accounts resulting from XXXX XXXX pursuant to 15 U.S.C. 1681c-3 ( b ) and 12 C.F.R. 1022.142 ( e ) ( 1 ). Every credit and specialty reporting agency has blocked the negative accounts except for Equifax, who has created overbroad criteria to deny me. I have included evidence with this letter, which shows other agencies promptly blocking the adverse accounts upon submission. I should note that these agencies possess identical documentation to Equifax. This further proves my claim of Equifax discriminatory and unjust actions towards me and my unfortunate situation. The Supervisory Highlights that your office published in XX/XX/XXXX indicated that certain CRCs are still violating Regulation Vs human trafficking requirements, effective as of XX/XX/XXXX, by failing to block information identified by the consumer within four business days. In response to these findings, your office has put CRCs on notice to revise their compliance processes to ensure that they process all human trafficking block requests in accordance with the requirements of Regulation V. It appears that this was not the case, as I, along with many others, continue to be trapped in negative credit reporting.

The validity of my trafficking documentation is still being questioned by Equifax. When the representative from the agency refuses to provide confidential information regarding my case and health information, Equifax use this as an excuse to decline my request. Equifax should not be making calls to further expose my situation to any individual who answers the phone when they have no authority to do so. Equifax discriminatory and willful actions to violate the law have jeopardized my life, as I am unable to secure a new residence and capitalize on other credit opportunities to reconstruct my life.

Despite my exhaustive efforts to date, Equifax has nonetheless deliberately, willfully and negligently failed to block accounts relating to Human Trafficking as required by the FCRA. I am kindly requesting the assistance of CFPB ( Office of Enforcement ) in order to hold Equifax accountable for their actions should anything happen to me, as they have prevented me from being able to move and have placed me in a position of significant danger. 

In order for Equifax to process my block request, I have submitted all of the required documents for the CFPB to review. Equifax is not authorized or justified to deny my request in accordance with the law.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The reason for my dispute is because Portfolio Recovery Associates is in violation of my rights under section 809 ( b ) of the FCDPA for providing invalid documents with erroneous information to proof validation of debt this is why : On the alleged original creditor statement dated XX/XX/XXXXXXXX  shows a {$0.00} ( XXXX  balance ) because the prior month XX/XX/XXXX the amount of {$2.00} XXXX was charge off according to the statement. An electronic file provided by PRA allegedly states that this account was sold to PRA for the amount of {$2600.00} ( the amount is different from the last statement amount ) On XX/XX/XXXXXXXX  after a dispute challenging an erroneous original balance PRA recognizes the error and instead of deleting this account like they supposed to according to the FCRA they just change the balance. And instead of calling it an error they called it a credit. My dispute is this if the original amount is incorrect and/or erroneous it automatically invalidates the electronic file provided by PRA as proof of validation with this been said PRA has no way to provide proof any proper validation of this debt because all they have left is statements after statements which dont mean nothing PRA must comply with the law and remove this non fcdpa compliance account immediately. Attach to this dispute I am providing you with all of my dealings with PRA ( statements, electronic file ) I am requesting your assistance to up an end to this matter
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It appears that my credit file has been comes to terms. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my personal files. 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Reference # : XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

All my credit card bills have XXXX balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.
Consumer complaint received 2022-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

After contacting XXXX, XXXX and Experian customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries. 
I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.
Consumer complaint received 2023-11-03
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-25
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. (PA)

I have contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. 

Similarly, I disputed the validity and accuracy of the account for XXXX  XXXX XXXX  on my consumer credit file, requesting physical information, which was never received, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never gave any consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file.
Consumer complaint received 2021-10-15
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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (CA)

I was reviewing my credit report and noticed information that are in violation under FCRA And TILA ACT are still appearing on my report. I sent out letters to the company over 30 days ago and still havent fixed the issue or they giving me the run around. These accounts are hindering it is keeping from gettin auto Loan or mortgage remove these items from my credit.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

I apply for a credit card with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I applied online was approved instantly. On XX/XX/XXXX XXXX closed my credit card account. I asked that the account be reopened or inquiry removed from credit reporting.
Consumer complaint received 2022-08-23
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting thid CFPB complaint addressed to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. I need the Following accounts updated and or corrected immediately : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation (CA)

Universal recovery corporation placed an account in collections from XXXX XX/XX/XXXXunder my name for a vehicle that I sold and submitted release of liability through DMV from and did not legally own at the time of the accident and are therefore not responsible for any of the towing or storage fees
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I've been trying to get into my online banking over a month so I'm not about to see the details about all these unauthorized transactions that the bank say I'm responsible for as well as a lot of the transactions they say they are dated back too far and can not be investigated I've been having trouble with this account since last year I've been with SunTrust now Truist
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

Mailed my payment of {$44.00} on due date of XX/XX/XXXX. Payment was received and credited on XX/XX/XXXX. Was charged a late fee of {$29.00} and {$1.00} interest. Called on XX/XX/XXXX to request a credit. Credit was granted for the late fees and I was advised that there would be no balance due ( I have not had any purchase transactions on the card since I paid balance in full on XX/XX/XXXX ). I received another bill on or around XX/XX/XXXX showing a {$59.00} balance due. Apparently another XXXX late fees were added. I called again on XX/XX/XXXX and was told it was a mistake because of timing of the credits and that there will be no balance due. Then I received a letter in XX/XX/XXXX saying dispute was reviewed and that the late fees will remain on the account. I called again on XX/XX/XXXX and explained that I was charged for a late fee on a late fee that was approved for removal. Also explained that the two previous customer service representatives told me the late fees would be credited and there would be no balance due. They apologized saying that the customer service reps provided wrong information and that per policy and the terms and conditions of the card denied my request to waive the late fees on a late fee balance. I said that doesn't make sense. I asked if anyone had common sense and was abruptly hung up on.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The TRANSUNION credit reporting agency is reporting inaccurate information on the listed account below ; Due to their errors in reporting I'm reporting this violations. The first being with the FDIC 's Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agency 's report. The information listed below is inaccurate. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The Credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$68000.00}
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

My family had individual credit cards under business name with my father as the head of the account for XXXX years. It happened to be the only card I used as I was accumulating points. When my father had his first XXXX XXXX years ago we thought it best that I become the in charge of the account. We called Amex to find out the steps to make this change. This required a verbal consent on the phone, as well as signing papers that were provided to us. We did everything they told us to do. Fast forward to 2021, my father XXXX XXXX. Within a month I was doing a transaction and the credit card was declined. Without any communication to me they closed the card having been notified of my XXXX XXXX XXXX. They also took all my close to XXXX points away. When I called they were incredibly hostile and rude. They told me to write a request for my points with a detailed explanation. It was declined. They conveniently have no record of any changes to the account XXXX. We have tried numerous times and now they state it is too late. Isn't that convenient as well? I would like my points that I earned only using their card for that specific reason, to get points.