davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year>XXXX XXXX HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-31
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)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXXXXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

XX/XX/2022 {$11000.00} I formally asked the company to validate all tradeline listing they have submitted to all three credit bureaus, by LVNV FUNDING. 
Due to possible inaccuracies in these credit reports, I demand validation in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 
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  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

CREDIT CARD : SEARS Date : XXXX of XXXX  Payoff {$340.00} Date paid : XXXX, XXXX  I got XXXX  during the month of XXXX My payment records were excellent I had auto payment ON on my account with SEARS The credit card reported a 30 days late on my payments. As soon as I noticed that LATE PAYMENT, I called Sears and they said they will fix the error. I went ahead and paid the full balance at that time to avoid more problems. I didnt owe much anyway and paid. 
Sears said I removed the auto payment which I dont recall doing. 
I asked them to fix the 30 days past due and they said several time they will do it but they lied and they never did. The 3 credit agencies XXXX XXXX and XXXX got the report from Sears with the 30 days past due. 
I asked SEARS to remove the bad credit as I was an excellent payer and that with the XXXX  I may have done a mistake or error with the account ( I got brain fog ) I still dont know what happened. 
They said they will but they never fixed it. 
I sent XXXX hospital reports and still they didnt fix it It is hurting my good credit
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This complaint is in response to the investigation of case # XXXX. In my dispute, I requested the " Method of Verification '' and the " Name and Adress '' of the vendor Experian claims it contacted to certify the " Completeness and Accuracy '' of a bankruptcy record it is reporting on my credit file. Please see CFPB complaint # XXXX as Exhibit A. In its response, which it concluded in 59 days, Experian stated that they have contacted the vendor who has certified the accuracy of this record. However, as previously disputed, Experian has not provided the name and address of this vendor. I am requesting in accordance with 15 USC 1681i which states " A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' If Experian MUST provide me this information if it is claiming to have contacted a vendor. As previously stated, I have contacted the courts who has certified that they do report to the CRA 's, Experian agrees ( Per complaint # XXXX and the attached letter ). I have contacted the listed vendor on my credit report " XXXX XXXX '' who has certified by phone and via a full consumer report ( Attached ) that no bankruptcy record is on file. It is clear that Experian intentionally stalling and refusing to complete a full investigation of this record. Experian has violated several FCRA laws including FCRA 616 ( a ) ( 1 ) ( a ) which states. " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. This is not a request for re-investigation, this is a demand of the removal of this bankruptcy from my credit file in accordance with the aforementioned laws.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I made a payment of XXXX which was the minimum amount to tjx rewards/synchrony bank  on XX/XX/XXXX, XXXX usually made my payments on all my credit cards on the XXXX  or the XXXX  so they can receive payment earlier before the XXXX of each month.Im.never late on any of my payments until tjx/synchrony bank decided to keep my payment and sent me an email stating that I owe them a payment for XXXX for XX/XX/XXXX. XXXX  .which was an additional payment and then they raised the minimum payment higher. When I called them I was told by a representative that the payment for XXXX XXXX XXXX  was late and that Im paying for the late fee when I made 2 payments for XX/XX/2022 and they were both paid before XX/XX/2022 one on XX/XX/XXXX and the other on the XXXX. When I addressed her about my on time payments I was told they will correct it to call back 48 hrs. Well 48 hrs later I was then told well there is nothing we can do about it you just have to make another payment because you paid before the closing date.when I told them that I was going to report it them wipe clean my payments information so I wouldnt have proof.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (MD)

XXXX XXXX, Amount {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX Amount {$230.00} XXXX XXXX XXXX I wrote them asking to Validate the debt being I never had services with the company the debt collector.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX my Chime account was suspended without any notice. Called to see why they closed my account and all they could tell me was they needed documents to verify my address change. Never really used this card but its been active since XXXX for the purposes of taxes and child tax credit. After finally fixing XXXX and XXXX taxes to be direct deposited. They close account with no explanation. Sent all documents by fax as requested XX/XX/XXXX with no response after. Only direction given was to wait 30 days. Filed a complaint with XXXX. Called again XX/XX/XXXX and at this time was sent a formal email on why they suspended the account. Stating they suspended account due to to many transfers via XXXX XXXX totaling over XXXX dollars between XX/XX/XXXX and XX/XX/XXXX and they needed a explanation. I sent documents of proof of identity and explanation of all money spent. Which was no were near the amount they have provided. XXXX XXXX history to confirm that. Again sending the documents to both emails provided one of which was given in email Chime sent. XX/XX/XXXX got email from Chime that they received all documents sent and they would be under review by XXXX XXXX XXXX  within two days maybe longer if extra documents needed. Called again XX/XX/XXXX for update from Chime to still be told just got to wait with no time frame to be provided. They confirmed all documents had been received as well. Called XXXX XXXX who refuses to speak on the account. 

Dont understand why all money is frozen. No resolution after sending documents three times. Filed a complaint with XXXX  still no resolution just to escalate complaint. Chime says The XXXX XXXX needs to review and needs documents but The XXXX will not discuss or take any credit for suspended card account. Stuck in the middle even with legitimate explanation and documents. Please help. Running out of options. Majority of funds on account are XXXX and XXXX taxes. Child tax credit payments for my child. This has been explained multiple times. XX/XX/XXXX had a reasonable move and during time in question most transactions were made to furnish my familys new home. Feeling very helpless and taking advantage of. 

Added documents but kept out attachments of documents they requested for privacy purposes. 

XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-20
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. (FL)

I hope this letter finds you well. I am reaching out to address a concerning issue regarding my credit report and the potential violation of United States Code Law, specifically the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) related to billing inaccuracies. 

Upon recent examination of my credit report, I have identified numerous instances of billing inaccuracies as stipulated in 15 U.S. Code 1666 ( b ), specifically under points ( 4 ) and ( 5 ) : Point ( 4 ) : The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

Point ( 5 ) : A computational or similar error of an accounting nature by the creditor on a statement. 

A specific concern revolves around the absence of timely notification, at least 21 days ( approximately XXXX weeks ) before the issuance of a statement. This oversight has led to unwarranted late payment entries on my accounts. I am requesting tangible evidence from your records that validates any claim of non-payment resulting in the reported late status, as I firmly believe this is a clear billing error. Additionally, in accordance with XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( i ), a late payment qualifies as a transaction and experience, making it eligible for exclusion from the consumer report. 

For your reference, the following accounts require immediate attention and correction on my consumer report to accurately reflect the payment status : XXXX XXXX XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Late payment date : XX/XX/2023 In accordance with consumer protection laws, these accounts must be promptly updated to accurately reflect the " paid as agreed '' status. Failure to comply with this request will compel me to pursue legal action, seeking monetary compensation for the violation of my rights in small claims court under XXXX XXXX XXXX civil liability. 

Furthermore, I have already taken the initiative to escalate this matter by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I anticipate your swift attention to this matter and the necessary corrections to my credit report. Your cooperation is appreciated, and I look forward to a timely resolution.
Consumer complaint received 2022-10-31
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. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX reported fraudulent personal debt amounts to all XXXX credit bureaus. 

On XX/XX/XXXX XXXX reported my personal debt amount as {$24000.00}. As of XX/XX/XXXX my student loan amount was actually {$17000.00}. Moreover, as of XX/XX/XXXX my student loan amount is actually {$10000.00}. 

This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. 

XXXX is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month. 

This is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ). 

Moreover, while attempting to correct this fraudulent information with XXXX, their representative ( Employee ID XXXX XXXX ) verbally stated they could not assist with this process. The representative stated that an external department would have to address the matter. Allegedly, an expedited email ( XXXX XXXX ) was issued. This is the same lie that was verbally stated to my person in XX/XX/XXXX. 

Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by XXXX. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department.

Finally, I was informed that XXXX is unable to provide an accommodation in compliance with the XXXX ( XXXX ). I was informed that XXXX is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.