davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has responded that the accounts in question have come in VERIFIED. They need to follow an E-OSCAR method of validation. Then it goes through a Metro2 code. That code is generated and sent to the creditor or debt collector. The letter goes to the credit beaurues, E-OSCAR, then the creditor or debt collector. ACDV ( Automated Credit Disputed Verified ). The credit or debt collector must respond to the letter. It is saying that it is VERIFIED or updated. That is ILLEGAL because there is no proof that Transunion has personally validated this account. By law, it MUST be removed! It violates FCRA rules and regluations attached!! My certified letter to transunion # XXXX was sent XX/XX/2023. The certified letter was accepted by Transunion regarding the dispute. It takes 30 days to process the information and respond. They have responded that the accounts are indeed VERIFIED. That means that they have manually checked the account information as valid and there are NO discrepencies in the reporting on my report. That means it is 100 % accurate. The account in question is I. ) XXXX XXXX Credit Card. It must I have proof that the investigation was not accurate. In Transunion 's investigation, they have claimed that the accounts are VERIFIED and belong to me. That means that they have reviewed ALL of my information and are claiming that it is mine. According to the law, they are in violation of FCRA. The addresses on my credit report do NOT match up with the accounts in question. The accounts that I am disputing also are NOT reporting correct accounts, dates opened, last reported, and type of reporting. Legally, the accounts MUST be deleted. If the accounts are NOT deleted from my credit report, I will be suing Transunion for violating the FCRA rules and regulations of publishing false information about consumers reporting information. This makes sense as they are doing it to me. This will be my last dispute before litigation against Transunion. I have attached a copy of my current credit report highlighting the inaccuracies of the above forementioned accounts that MUST be deleted off my credit report. If they are NOT then I will be suing Transunion. I have also attached the data breach settlement from Transunion and there lawsuit. I have attached FCRA rules and regulations that Transunion and the other credit bureaus MUST follow and they are clearly violating. I have also attached a copy of my driver 's license which shows that the information that is reporting is in VIOLATION.
Consumer complaint received 2023-06-21
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. (NC)

In accordance with the fair credit reporting act 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.
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (NJ)

XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These accounts are fraudulent and I would them removed from my account immediately. These accounts is ruining my credit profile and hindering me from purchasing a home.
Consumer complaint received 2023-11-11
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: Fidelity National Information Services, Inc. (FNIS) (OH)

XX/XX/XXXX I experienced identity theft as my vehicle was broken into and my purse and other personal possessions were stolen. It wasnt until XX/XX/XXXX that I had been notified that my bank account with XXXX XXXX  XXXX had been frozen due to fraud. When the incident happened I closed all credit cards and requested existing bank accounts to issue new cards that I had. XXXX XXXX  XXXX has listed my account as Fraud and when provided with all the documentation they stated that I could not go through them I had to go through ChexSystems to have the fraud removed. Because of the XXXX charge. This has been an ongoing battle as my identity has been compromised and now an entire year later of fighting this matter Im still unable to get a bank account. If it wasnt for having one already for my business I would be stuck. I have tried fighting this with ChexSystems and each time they indicate that XXXX XXXX XXXXXXXX is keeping the status. This is not only unfair but I have never been in a position to where any of my accounts have been flagged as potential fraud. I need help this has been a huge issue for me due to this matter not being handled. The credit Breuers have worked with me they placed all my credit reports on extended fraud, my credit card companies were able to freeze any transactions, however this one particular bank has made it extremely difficult to get anywhere with this. I even went as far as saying I would pay for a charge that was not mine so that I could have this information removed they would even declined that. Please can someone look into this matter as this is going on farther than it should and I just need the right information or person to help me along with this process. Thank you
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Good day, there are errors that you keep on reporting on my credit which is a grave violation of my rights as a consumer. My repeated request to correct these inaccuracies have been consistently ignored and is really frustrating and stressing me out it's taking a toll on my mental health. My applications for new credit keeps getting denied because of your negligence holding back my dream of achieving financial freedom.
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

I am penning this missive to formally lodge a complaint against Rent Debt Automated Collections, herein referred to as " Rent Debt, '' due to their unlawful debt collection practices and unauthorized procurement and utilization of my personal data. Rent Debt has contravened several federal and state statutes in both Texas and Tennessee. Consequently, I respectfully beseech the Consumer Financial Protection Bureau to commence an investigation into this matter.

Rent Debt has transgressed the following federal statutes : Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Sections 1692e, 1692f, and 1692d Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Sections 1681b and 1681s-2 Gramm-Leach-Bliley Act ( GLBA ) - Title V Sections 6801-6809 Rent Debt has contravened the following Texas statutes : Texas Debt Collection Act ( TDCA ) - Texas Finance Code, Title 5, Subtitle A, Chapter 392 Sections 392.301, 392.303, 392.304, 392.101, and 392.306 Texas Business & Commerce Code, Title 2 , Chapter 20 Section 20.05 Texas Rules of Civil Procedure Rule 76a Texas Deceptive Trade Practices Act ( DTPA ) - Texas Business & Commerce Code, Title 2 , Chapter 17 , Subchapter E Section 17.46 ( b ) ( 12 ) Rent Debt has potentially breached the following Tennessee statutes : Tennessee Fair Debt Collection Practices Act ( TFDCPA ) - Tennessee Code Annotated, Title 62, Chapter 20 Sections 62-20-105, 62-20-106, and 62-20-107 Identity Theft Deterrence Act - Tennessee Code Annotated, Title 47, Chapter 18, Part 21 Section 47-18-2107 The infringements encompass Rent Debt 's endeavors to collect a debt that has, in fact, been satisfied, the procurement of my personal data without a legitimate purpose or my explicit written consent, the implementation of belligerent, vexatious, or abusive stratagems during debt collection efforts, and the failure to adhere to the registration and bonding stipulations mandated by Texas law for third-party debt collectors.

I entreat the Consumer Financial Protection Bureau to scrutinize Rent Debt 's collection practices and the potential violations of federal and state statutes. Furthermore, I advocate for collaboration with the Texas Attorney General 's Office, the Tennessee Attorney General 's Office, and other germane state and federal authorities to ascertain that Rent Debt is held accountable for their actions, desists from unlawful collection endeavors, and complies with all pertinent laws.

I express my gratitude for your consideration and attention to this matter.

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax has responded that the accounts in question have come in VERIFIED. They need to follow an E-OSCAR method of validation. Then it goes through a Metro2 code. That code is generated and sent to the creditor or debt collector. The letter goes to the credit beaurues, E-OSCAR, then the creditor or debt collector. ACDV ( Automated Credit Disputed Verified ). The credit or debt collector must respond to the letter. It is saying that it is VERIFIED or updated. 

My certified letter # XXXX was sent XX/XX/2023. The certified letter was accepted by Equifax regarding the dispute. It takes 30 days to process the information and respond. They have responded that the accounts are indeed VERIFIED. That means that they have manually checked the account information as valid and there are NO discrepencies in the reporting on my report. That means it is 100 % accurate. 

The accounts in question are : XXXX. ) XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX {$610.00} ; XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$610.00} ; XXXX. ) XXXX XXXX XXXX  {$2800.00} ( balance ) ; XXXX ) XXXX XXXX XXXX  {$1700.00} ; XXXX. ) XXXX XXXX {$1200.00} ; XXXX. ) XXXX XXXX {$770.00} ; XXXX. ) XXXX XXXX XXXX XXXX {$300.00} ; XXXX. ) XXXX XXXX XXXX {$16000.00} ; XXXX. ) XXXX XXXX. 

It must I have proof that the investigation was not accurate. In Equifax 's investigation, they have claimed that the accounts are VERIFIED and belong to me. That means that they have reviewed ALL of my information and are claiming that it is mine. According to the law, they are in violation of FCRA. The addresses on my credit report do NOT match up with the accounts in question. The accounts that I am disputing also are NOT reporting correct accounts, dates opened, last reported, and type of reporting. Legally, the accounts MUST be deleted. 

Equifax has been posting false information in there data breach settlement ( attached ). They have been publishing false information about consumers which has led them to be sued by customers such as myself. If they accounts are NOT deleted from my credit report, I will be suing Equifax for violating the FCRA rules and regulations of publishing false information about consumers reporting information. This makes sense as they are doing it to me. This will be my last dispute before litigation against Equifax. 

I have attached a copy of my current credit report highlighting the inaccuracies of the above forementioned accounts that MUST be deleted off my credit report. If they are NOT then I will be suing Equifax. I have also attached the data breach settlement from Equifax and there lawsuit. I have attached FCRA rules and regulations that Equifax and the other credit bureaus MUST follow and they are clearly violating. I have also attached a copy of my driver 's license which shows that the information that is reporting is in VIOLATION.
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

Ive tried 2 or 3 times to open an account with this bank in the past 2 years and was denied. I was completely confused when I closed the account on good terms. Never had an overdraft, this was at the time I found out of the data breach on my business Tax ID XXXX that cant be found and of course I was receiving child support from my daughter XXXX XXXX XXXX from her dad XXXX XXXX XXXX back in XXXX before closing it. Finding out me and my kids had been victims of crimes I couldnt afford an attorney to assist in fighting for our civil rights privacy rights etc. Not only have I been denied opening an account with this bank but I realized every since SSA sent me and my daughter social with just our first and last name ( XXXX ) my son keeping his middle name my drivers license issued on XX/XX/XXXX was replaced with a another drivers license with my face but the issued date is wrong using just my first and last name only not the drivers license with just first middle and last name. Im well aware that my IP has been intercepted foul business practices has been taken against me due to being framed before I realized me and my kids information was exposed illegally since before XXXX when I found out we were victims of ID theft. XXXX XXXX has my name spelled XXXX XXXX XXXX I am just XXXX the dectectice found reports under XXXX XXXX XXXX and Ive never been married.nor used my son father last name for anything. I noticed XXXX XXXX had reported my info used at XXXX XXXX  XXXX  XXXX XXXX, all medical debt is linked to this address XXXX   has my daughter and my son XXXX XXXX XXXX and my name linked to XXXX XXXX XXXX  just our first and last name as if XXXX XXXX XXXX  and XXXX XXXX XXXX are two separate people. I dont care what records shows Ive been framed for financial fraud with XXXX  XXXX XXXX Wells Fargo and possibly XXXX XXXX XXXX Ive been trying to get an opened account with. XXXX reporting to other creditors I dont have kids is false misleading and misrepresentation of my home and my household. I have had 2 kids since their birth. XXXX XXXX doesnt show the birth of my son any longer as if I never had him but its been there since XXXX. XXXX XXXX XXXX shows false records of time me being incarcerated as if they are covering up for someone running from the law someone impersonating me and my kids. Ive been denied rights to my kids records and Ive never EVER DONE NOTHING TO HARM OR CAUSE HARM TO MY KIDS PERIOD.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On or about XX/XX/2023 Chase Bank debited my checking account for {$55.00} for a safety deposit box that I was provided FREE of charge due to being a XXXX I was NEVER properly NOTICED of the charge BEFOREHAND which would allow me the opportunity to question the charge and/or to terminate the safety deposit box. I called Chase several times to inquire why I was charged for the FREE box but could not get any answers or resolution despite 10+ calls over a a week. I was discriminatorily coerced/forced into leaving my home and into going to the Chase Bank office . I met with the bank manager and shared m concerns, again to no avail. She indicated that she couldnt remedy the issue locally and that I had to contact customer service. I advised her that I had attempted to do so 10+ times without any success. I asked her to provide a phone to contact customer service. I called and spoke with someone and explained the situation. They indicate that the issue had to resolved LOCALLY and not with customer service : I explained that was told contradictory information from the bank manager and asked that they communicate and resolve the UNLAWFUL theft/taking of my funds on deposit with the bank. Nothing was resolved. I contacted customer service again and spoke with someone in the back office who was going to look into the matter. I was told that the bank does not or can not issue refunds for safety deposit boxes due to bank policy. I advised them that ANY policy is subject to the Americans With Disabilities Act as I am XXXX and as such never received PROPER LAWFUL NOTICE OF ANY SUCH POTENTIAL CHARGE. In fact I never received ANY NOTICE. I received conflicting information from the bank manager and customer service staff. I was told that the bank noticed customers in the bank statement correspondence and contradictorily that the bank sent out a separate notice. If the bank cant get thie story straight how can the customer be expected to RECEIVE THE NOTICE? 

The back office period indicated that she would reach back out to me within, no LATER THAN 5 days. That NEVER HAPPENED. 

Chase bank unlawfully stole {$55.00} from my account for a safe deposit box that was issued to me FREE of charge an FAILED TO NOTICE me BEFORE attaching to my personal private property ; funds held in deposit in my personal checking account. This has exponentially caused me to incur other fees as a result of th3 unlawful theft of my {$55.00}. I exist on XXXX income alone. My expenses already exceed my income and this caused me to incite late fees and other expenses involved with borrowing money to avoid LATE FEES AND NSF FEES. 

I Spoke with the back office staff on XX/XX/2023. XXXX with Chase Executive office. She has never called me back.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.