davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

The account in Question is with XXXX XXXX. The payment was delinquent and was eventually charged off. The problem is the XXXX XXXX is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and XXXX XXXX nor the XXXX Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XXXX, XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games XXXX XXXX is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all XXXX credit reporting agencies and they continue to report the innacurate information. According to XXXX XXXX, XXXX  Equifax XXXX XXXX now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.
Consumer complaint received 2019-04-30
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. (MI)

The following accounts are fraudulent XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX   {$180.00} XXXX/XXXX  {$830.00} XXXX {$560.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$570.00} XXXX XXXX {$200.00} XXXX XXXX {$960.00}
Consumer complaint received 2022-10-12
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance : {$13000.00}, and AFFIRM XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2021-02-03
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: CITIBANK, N.A. (IL)

Merchant : XXXX XXXX XXXX XXXX Charge Total : {$1100.00} Charge Date : XX/XX/2020 I am trying to dispute above charge as fraudulent but the Citi bank portal is not allowing me to submit a dispute. Furthermore, it is impossible to get past their chat bot on the website and get actual person to discuss with. It seems like there are no way to upload documents to Citi on the portal either.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Santander willfully and illegally keeps furnishing inaccurate information to my consumer reports. The alleged account which they continue to furnish states various inaccurate account statuses and dates across my 3 main consumer reports. This account has long been closed and paid off, yet they continue to inaccurately report varying information to all the 3 main credit bureaus in direction violation of 15 USC 1681s-2 of the Fair Credit Reporting Act. Moreover, I never gave them my permissible purposes ( written signature ) pursuant to 15 USC 1681b ( a ) ( 2 ) to furnish this account to my consumer reports yet alone inaccurately. After attempting to resolve this matter with them directly over the last 100 days all to no avail, I am enlisting the help of the CFPB and Federal Trade Commission. This inaccurate and erroneous account needs to be immediately deleted from all my consumer reports to stop this reckless damage to my credit and consumer reputations. Failure to delete this account immediately from my consumer files will ensure I engage the help of my Attorney, State Attorney General, and the FTC to begin litigation against Santander. Pursuant to 15 USC 1681o and 15 USC 1692k of the Fair Debt Collection Practices Act, I will be enforcing for all damages this account has caused me the consumer.
Consumer complaint received 2022-05-03
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. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( XXXX ) consumer reporting agencies ( XXXX, Experian and XXXX ) and with the account holder ( XXXX XXXX XXXX ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. 

I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by XXXX XXXX XXXX. 

I am listing all the violations under the FCRA that apply to my specific situation. 


Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate.

15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report. 
- I have 10 inaccuracies reported on my consumer report. 
- Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. 

Debt Collector Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : XXXX XXXX XXXX - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2019-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2019, I walked into a Bank of America branch at XXXX, Georgia to open an account with my brand new social security number, which I received on XX/XX/2019. The officer started the account opening process and when she got to the last stage, she said she couldn't complete the process because of risk closure. She gave me a number to call and she said it's the risk closure number. I called the number and I was told it was the decision of the bank not to open the account, that I can proceed to other financial institutions to get an account. To my amazement, I got a mail from bank of America, few days later stating that they closed " my '' account and I shouldn't make any transaction on the account. Now this is the account that I was told they couldn't open in the first place. I wasn't given any account number at the bank, nor given any paperwork, so where is this coming from? They even threatened me in the mail that they would report me to XXXX XXXX XXXX and XXXX XXXX. For what exactly? I never had any transaction with this bank. I went there with brand new social security number and New IDs, so what's my offence?? Ever since I got this mail from them, I haven't been able to open account at any other bank, they claimed there was a report from XXXX XXXX XXXX, all these happened after bank of America told me they would report me to XXXX. I never had any issue involving any bank! So what's going on? At the end of XXXX, bank of America sent me a bank statement all in XXXX dollars, claiming it's for my account, which is a surprise because they told me they couldn't complete the process! So where is the account number and statement coming from?? Now their report to XXXX XXXX XXXX has prevented me from opening account with other Banks. I never had any transaction with the bank of America, why did they say they would report me? For what? This is frustrating! All documents I took to the bank for account opening were brand new! including my social security number.
Consumer complaint received 2022-05-03
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. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( XXXX ) consumer reporting agencies ( Transunion, XXXX and XXXX ) and with the account holder ( XXXX XXXX XXXX ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. 

I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by XXXX XXXX XXXX. 

I am listing all the violations under the FCRA that apply to my specific situation. 


Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate.

15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report. 
- I have XXXX inaccuracies reported on my consumer report. 
- Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. 

Debt Collector Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : XXXX XXXX XXXX - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX  XXXX  XXXX CA XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  US SM BUS ADMIN ODA XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX TODAYS DATEXXXX XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a copy of two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ***** PLEASE REMOVE THIS ADDRESS FROM MY CREDIT FILE XXXX XXXX XXXX KY , XXXX XXXX XXXX , FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (SC)

the Credit bureau is not complying with the rules. I sent out disputes on the XX/XX/XXXX and have not been in formed about anything. The alleged debts that are fraud on my consumer report needs to be deleted.15 USC 1602 ( I ). The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. look this person here ( Experion ) is using my identity and saying that I owe them, I need them to send me the paper work saying that this Validation is correct.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On today, XX/XX/XXXX, I received an alert from TransUnion that a XXXX account was reporting 120+ days late. This caused my credit score to drop XXXX points! I called and spoke with a representative and she said that they have not reported on my account since XXXX and that my account was paid in full through consolidation. I demand that this account is removed or updated to show accuracy.