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 — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to XXXX & XXXX ; So if that & # XXXX ; XXXX the case. Per the FCRA XXXX ( a ) ( XXXX ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( XXXX ) all accounts and public information that you post on anyone & # XXXX ; XXXX credit report. 
Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Consumer complaint received 2024-10-09
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. (FL)

This account started its first late payment on XX/XX/year>, which is inaccurate since it does not reflect the balance of the account, much less the payment due, consequently this affects subsequent late payments. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion inaccurate of the following account : XXXX XXXX number XXXX ( CLOSED ACCOUNT )
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Credit Bureau has failed to timely remove/delete the public item of federal bankruptcy from my credit report as such reporting is " aged ''. On or about XX/XX/XXXX, I filed federal bankruptcy under XXXX XXXX. During the course of these proceedings my XXXX  XXXX was converted under 11 U.S.C. 1307 ( a ) to XXXX  XXXX. XX/XX/XXXX, my bankruptcy was discharged. I've contacted the credit bureau and discussed this. I was told that the information comes from a 3rd party and a dispute was initiated. Upon receiving the results of the dispute, and nothing being changed ; I am filing this complaint. XXXX reported the information to the Credit Bureau despite providing them with proof that this was an initial XXXX  XXXX filing which has a 7 year reporting time ; it continues to be reported. XXXX reports that the XXXX  XXXX was dismissed or closed, when in fact it was US statute conversion. There was also a reference that all debts were the responsibility of consumer. XXXX  XXXX bankruptcy is deleted seven years from the filing date. The reported information should have been deleted XX/XX/XXXX. XXXX have deleted the bankruptcy from my credit report. Public Record Information This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-07
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. (WI)

I have been trying to resolve errors on my report since XX/XX/XXXX. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status. The CRA continues to state verified yet has not sent me viable proof of validation. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen. 
XXXX opened XXXX, is showing derogatory status. The CRA continues to state verified but has not sent me copy of original contract or anything else that would be considered proper debt validation. Furthermore, this account was sold and a write off, thereby making me not liable for this account. Also, I've frozen all third party reporting so for CRA to state verified is fraud. 
Get it Now Account opened XX/XX/XXXX shows late payment and status of closed instead of paid as agreed. Since late payments listed fall under Cares Act and this account has been paid in full, it is being reported inaccurately. The CRA refuses to fix errors or delete account despite them being unable to verify or property provide proof of validation. 
Get it Now Account is showing balance despite being paid off and paid in full since XX/XX/XXXX. 
Currently this CRA is in violation of section 623 ( a ) ( b ) regarding these accounts. I've attached copy of the FCRA, Copy of Cares Act, Proof that third party reporting is frozen and Copy of XXXX  CEO email. This CRA is in clear violation of my rights and FCRA.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please. 

TSI can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee. 
I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however TSI has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from TSI was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''. 

No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )
Consumer complaint received 2021-07-07
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: LEXISNEXIS (SC)

On XX/XX/2021 I sent a letter to LexisNexis about the illegally and unlawfully erroneous accounts they are selling to other bureaus. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GEREAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. 
I was never notified in writing or any other communication and I am appalled that these sneaky reporting agencies are sneaking around buying and selling information to determine a persons worth. I demand that these accounts be removed immediately.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CarMax, Inc. (FL)

I sent letters on XX/XX/2021 andXX/XX/XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/2021 Reported fraud transactions that was not made by me or my spouse, then it kept going till XXXX XXXX! Called Amex again and asked them why are there more charges?? Well the person I spoke to on XX/XX/XXXX guess never closed the card and issue new card. Theyre were tota 8 transactions to a company that was in a different country. Youre talking about few thousand within 4 day time frame. Called American Express and reported, they credited back all 8 transactions. Then XX/XX/2021 out of the XXXX charges, 6 of them were charged back and have to pay. I reached out to Amex and asked them to reconfirm and the live chat customer service assured me that all 8 are credited back and I would not be charged. Then reached out again and ask them why only 2 transaction out of the 8 were disputed, which doesnt make sense! Who ever had placed the 8 disputes had obviously did it wrong and file all as unauthorized, but 2 transactions. All 8 transactions were unauthorized charges with same problem, same story, from same person, but only 2 got disputed. Makes no sense. I called multiple times and was told they re-opened for further investigation. Then had called asked for status and got the run around and was told again would need to re-open for investigation from back office. Which means the first time it was never re-open for investigation. Every time I call back for status, they keep saying have to wait and get answers from back office. Was in middle of buying a house and we couldnt have this high balance our credit report, by the time we had to close on our house. The lender would not approve and we could not close on the house unless we pay Amex off in full. So we had no choice but to pay what was outstanding, plus XXXX that was supposedly still under investigation. We have yet heard from Amex and was so tired and overwhelmed. Finally closed on our house and because of this, it have hurt us bad which caused us short on funds to take care of other bills. Then Amex lowered our credit limit due to other high balance/payment issue. Well guess what? Amex you are the caused how I started to fall behind. Below are the dates and amount of transactions. We have been with Amex for years and never have had experience with such bad customer service until this past year. Had ran out of energy to fight and gave up until I found out about how I can repot to consumer complaint and had no idea could do that till now. 

Unauthorized transaction : XXXX XXXX - {$1500.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1400.00} XXXX XXXX - {$1100.00} XXXX XXXX - {$1500.00} XXXX XXXX - $ XXXX disputed  XXXX XXXX - {$1100.00} - disputed
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Office of Edwin B. Parry (UT)

As stated before the judge back in 2014, my only source of income has been SSI/SSDI. I have a permanent XXXX and have been on SSI/SSDI for over 10 years. I have not received any signed orders by a judge showing this debt has been extended passed the Utah state statute of limitations. Additionally you all are requesting employment information from DWS. And DWS I am on state XXXX as well and I am not employed. This judgment should have been vacated. Furthermore, your law firm has sent notices threatening documentation to obtain records of my income which is social security XXXX income which you do not have authority to retrieve these documents from the Social Security administration or through DWS. Your law firm has been aware that I am XXXX and my only source of income is SSI/SSDI yet continue to violate the law indirectly.
Consumer complaint received 2022-09-21
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. (AL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. 
XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/2019
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to XXXX & XXXX ; So if that & # XXXX ; XXXX the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( XXXX ) all accounts and public information that you post on anyone & # XXXX ; XXXX credit report. 
Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 
15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.