davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (MD)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX Late Payment $ XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Collection {$1700.00} Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-10-20
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. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPES OF FRAUDULENT TRANSACTIONS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX  Late Payment {$8200.00} XXXX XXXX XXXX XXXX Charge-off {$3000.00} XXXX XXXX XXXX Charge-off {$1300.00} XXXX XXXX XXXX Charge-off {$99.00} XXXX XXXX XXXX Charge-off {$5400.00}
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (WA)

I applied for a new account with Citi bank whom I have a long perfect history and large credit cards with earlier this year. I was approved for an extremely low credit limit even though my income and credit report is near perfect. I reached out to the company for further information and they Refuse to send me any or to have a human look to see if there has been a processing mistake. they continue to hold payments for XXXX days before applying them to my account. called several times to get answers and each person refuses to talk to me about it.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to removed this discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my earnest attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing this inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistance to remove the fraud item in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (AR)

I am writing to express my growing frustration and concern regarding the numerous attempts I have made to rectify an inaccurate late open account on my credit report. Despite my ongoing efforts to correct this discrepancy, the issue remains unresolved and continues to have an adverse impact on my financial well-being. 

There is a late open account inaccurately listed on my credit report, which does not accurately reflect my financial history. This inaccuracy is significantly damaging my credit score, affecting my ability to secure fair lending terms and credit opportunities. 
I have diligently followed the prescribed procedures for disputing inaccuracies in my credit report as outlined by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided clear explanations, supporting documentation, and evidence to substantiate my claim. 

Regrettably, my efforts have not produced the desired results, and I continue to encounter the following challenges : My previous dispute letters and supporting documents have received minimal to no response, leaving me unsure about the status of my dispute. 
The delay in addressing this inaccuracy has caused significant financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors, and I am fully committed to working with your credit bureau to ensure the accuracy of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that your credit bureau conducts a thorough investigation into this specific inaccuracy and takes immediate action to rectify it. Additionally, please provide me with regular updates on the status of my dispute, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify this inaccuracy. I am asking for your immediate assistance to correct this accounts : XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$24000.00} ; DEPT OF ED/XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
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. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. XXXX Account # XXXX. XXXX Account # XXXX, and XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-19
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. (NC)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21
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. (IL)

I recently obtained copies of my consumer reports from the credit reporting agencies ( XXXX, Trans Union, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : XXXX. XXXX XXXX Account # XXXX. Upon reviewing my credit reports, I have noticed that your bank is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX  ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX  ) which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX  appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
Consumer complaint received 2023-10-20
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. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX  Account # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. XXXX Account # XXXX. XXXX Account # XXXX, and XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-11-01
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXXl XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX Bank # XXXX, Account name : XXXX XXXX XXXX Bank XXXX XXXX XXXX, Account name : Roadmaster driver school # XXXX Account name : XXXX XXXX Account # XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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. and according to 15 USC 1681s-2 they are suppose to 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 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I made a payment of {$1000.00} on XX/XX/, to my XXXX Comentity Bank Credit Card. Comentiity initially stated they did not receive the payment ; therefore, I provided an electronic transmittal form from my Bank, XX/XX/XXXX, showing the payment was made on XX/XX/. Comentity Bank sent an email to customers on XX/XX/ stating their systems was down between XX/XX/XXXX to XX/XX/ and all payments that fell between these dates would not be liable for late fees. After approximately 12 communication attempts ( One attempt involved a 2 page letter along with 10 pages of documentation sent via hardcopy & registered mail to Comentity Bank ) between myself and my bank, the dispute has ended with the Comentity Bank stating they returned the payment to XX/XX/XXXX on XX/XX/XX/XX/2022 XXXXXX/XX/XXXX did not receive the payment and contacted Comenity to investigate the matter. XXXXXX/XX/XXXXs final determination stated Comentity bank reimbursed me for the amount. On XXXXXX/XX/2023 I contacted Comentity Bank and spoke to XXXX, the supervisor. I asked for the electronic transmittal documentation showing the payment was reimbursed to me and XXXX stated he would open a complaint regarding the matter and communicate with me via email or phone call. As of XXXX, no communication has been received and I still have not received a {$1000.00} reimbursement. I contacted the Comenity Customer Service team on XX/XX/and was directed to their website to submit an email regarding the matter. I provided yet, another email regarding the matter. It has been 478 days since I made this payment, and I have not received any documentation with a resolution from Comenity Bank.
Consumer complaint received 2023-10-21
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. (FL)

The credit agency is listing a bankruptcy on our credit report without being able to validate its accuracy. Despite asserting that they've verified the information, the bankruptcy court, the primary source of this data, explicitly refuses to confirm its accuracy, as indicated in the attached letter from the court clerk. 

The court is the sole authoritative entity in this matter and the only party capable of attesting to the information 's precision, effectively undermining the credit agency 's claim of accuracy. To complicate matters, the agency relies on XXXX XXXX to report this information, a third-party entity that lacks the capacity to independently verify the data 's accuracy. 

Given that the agency can not directly verify the information 's accuracy and depends on an unverifiable third party, we insist on the immediate removal of this item from our credit reports.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Identity theft or some other transfer problem and defamatory statements, blacklisted blocked persecuted ilegally retaliated Asked for investigations ... .many witnesses .... 

My paycheck is not coming in, fully paid, trusted funds .... 

And also my credit card ... no proper credit line and frauds not reimbursed...