davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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. (LA)

Re : CARES ACT VIOLATION I am writing to dispute a Late Payment being reported by XXXX XXXX XXXX XXXX to my consumer report. I am requesting that the Tradeline be UPDATED to PAANL ( Paid As Agreed Never Late ) immediately due to XXXX XXXX XXXX XXXX violating the FCRA under the conditions outlined in the CARES ACT. The CARES Act explicitly states that if a consumer is granted payment relief or extensions then the grantor can not report the consumer as being Late on payments. 

The CARES Act was signed into law on XXXX XXXX, and Violations of the CARES Act protections will be enforceable under the FCRA once a consumer lodges a dispute with a CRA, thus triggering a furnishers reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). The CARES Act provision is considered in pari materia with the standard for accuracy under the reinvestigation requirements of CRA-referred disputes under section 1681s-2 ( b ). Therefore, the CARES Act provision informs those reinvestigation duties. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that XXXX XXXX XXXX XXXX provide proof that they complied with the FCRA and ALL its mandated rules when it comes to the Provisions and Protections given to consumers under the CARES Act. I request 100 % certified and authenticated proof that XXXX XXXX XXXX XXXX was compliant with the FCRA in accordance with the CARES Act. 

Please be advised that you are reporting inaccurate, incomplete, and erroneous information on my credit report. The mere fact that you are reporting the Late Payment constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

If you can not provide this proof, according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the LATE PAYMENT must be UPDATED on my consumer report.
Consumer complaint received 2023-04-16
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.
Consumer complaint received 2023-04-16
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. (NY)

as of XX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX account # : XXXX open date : - date of last payment XXXX XXXX $
Consumer complaint received 2023-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX has violated my rights. I have been a faithful consumer with XXXXXXXX XXXX since XXXX, with 100 % payment history ( paid as agreed on time ), until UNTRUE, UNVERIFIED, INACCURATE information was reported. These late payments are in relation to a computer error, that happened on the side of XXXXXXXX XXXX After reviewing my Equifax credit report, I was made aware they are reporting inaccurate information. I immediately contacted Regions bank and their response " was contact the credit major credit bureaus ''. I was repeatedly transferred and told different information. My final attempt with XXXX XXXX resulted in a customer service Rep saying she would dispute the 2 late payments and it would be corrected within 30 days, I did not receive any communication regarding the outcome of that dispute. Nor did anyone call me to follow up with my dispute. I have exhausted all options with handling this directly with XXXXXXXX XXXX. I was left with no other option but to file a complaint. It saddens me that they don't value me as a good consumer since XXXX. Equifax is reporting UNTRUE, UNVERIFIED, AND INACCURATE 2 late payments from my Regions account ending # XXXX XX/XX/XXXX and XX/XX/XXXX. These inaccuracies are highly injurious to my credit. I have been denied a home loan due to this damaging inaccurate information. Per U.S.C. 1666B
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices
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. (SC)

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested.
Consumer complaint received 2023-04-18
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. (NY)

To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and conrm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX  is violating my rights! 

ACCOUNT # XXXX ACCOUNT # XXXX Attached is factual proof, Self Company CLOSED this account MONTHS AGO and is still reporting the account as an OPEN account. 
Again, with the Fair Credit Reporting Act, legally these unverified & unauthorized items MUST be removed.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX THE ACT OF ( TITLE VI OF THE CONSUMER PROTECTION ACT ) PROTECTS INFORMATION COLLECTED BY CONSUMER REPORTING AGENCIES. INFORMATION IN A CONSUMER REPORT CAN NOT BE PROVIDED TO ANYONE WHO DOES NOT HAVE A PURPOSE SPECIFIED IN THE ACT.
Consumer complaint received 2023-04-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (IL)

Previously, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items listed below : XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of XXXX XXXX XX/XX/2022
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I am writing to file a complaint against Incomm Financial Services , Inc. regarding a visa gift card that I purchased at XXXX on XX/XX/XXXX. The security code on the card was not visible, so I called the number on the back of my card to request a replacement card. A case was opened, but I later discovered that the security code was not needed for my rent payment, so I requested to close the case. However, InComm Payments informed me that the case can not be closed and requested that I send them my driving license, purchase receipt, and pictures of the gift card via email. 

I sent all the required information to Incomm Financial Services , Inc. on XX/XX/XXXX at XXXX XXXX, and it has now been 3 weeks but I still haven't heard from them. Every time I called them, I was forced to wait for a long time on the line only to receive dismissive responses. 

In addition, Incomm Financial Services , Inc. froze my gift card for " security concerns '' but by requiring me to send them my ID and gift card by email, they have actually put my identity and my gift card at even greater risk. They have also continuously failed to provide a resolution in a timely manner. 

Therefore, I am requesting that Incomm Financial Services , Inc. immediately unfreeze my gift card or issue me a replacement card. I believe that Incomm Financial Services , Inc. has not handled my case properly, and their lack of communication and resolution is causing me significant inconvenience and distress. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-18
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. (AL)

XXXX XXXX XXXX in last reported on my credit XX/XX/XXXX. Information they saying accurate is still inaccurate witch means they did not do a proper credit check and update the correct information. I shouldnt have a collection on my report because it was dismissed in a court of law and I have court documents for my proof. I want this removed from my report immediately or I will be filing for a violation of my consumer rights for every violation. This is hendering me and my family. Thats infrenging my rights of privacy.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent multiple letters this company asking them to remove information they are reporting on my credit report that i did not aurthorize or do not know. they continue to respond they need 60 days but the FCRA states thatits only 30 days but they been continue to speak that evertime i send proof XXXX show how this company continues to violate my consumer rights.Comlain # XXXX the same results over and over.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This started several months ago. I have a numerous issues. I have a checking account as well with Capital One that has been a issue. I have experienced my payments not being process and companies ( i.e XXXX  ) that my account was closed. I sent XXXX a screenshot that my account was in fact NOT closed. They refused to resubmit the payment. Thus making my payment late and since I wasnt aware of the issue they cut off my cell service. Then, I am not allowed to transfer funds out to any other bank other then TD bank, even though my XXXX account was linked and verified through their app accordingly. I have 4 credit cards with the company and 3 have issues due to the COMPANY failing to apply payments ( i.e auto pay ) therefore charging pass due fees and extra interest. One of the cards was to be replaced due to fraudulent activity. Never received. I have copied this and sending to proper authorities as well as my respective Congressman. I believe that this is a targeted attack due to my Career, I investigate XXXXXXXX XXXX XXXX. I have turned in A LOT of people for Criminal Indictment. I also believe that is bank is targeting me due to my various donations to certain charities and political campaigns. I will be referring this and my documentation of conversation with XXXX and screenshots of Auto-Pay scheduled that were not taken from the checking account I have with this company and posting to satisfy my monthly payment.
Consumer complaint received 2023-04-16
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. (NY)

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
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 the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well.

15 U.S. CODE 1681C-2 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 NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS 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 right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request that you update my address on my credit report. I would like to include the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Additionally, I would like to request that you remove all other addresses from my report as they are not accurate or deliverable to me by the U.S Post Office. 

As you know, accurate and up-to-date information is crucial for my financial well-being, and I am committed to ensuring that my credit report reflects this. The address I am providing is my current and deliverable address, and I request that you update my credit report accordingly. 

Furthermore, I request that you remove all other addresses from my report that are not accurate or deliverable. This will ensure that my credit report is free from errors and up-to-date, which will help me in managing my credit and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, Here is my complaint about Bank of America and how they randomly closed my credit cards without a single missed payment and no issues. I am a gold member of Bank of America. 
I have been with them for 14 years I was offered two new credit cards, They were opened in XXXX and XXXX. 
In late XXXX they sent emails to close all three accounts and When I called, they said you need to look at The mail that they sent which arrived 10 days later. 
There is no good reason for canceling my cards. In fact XXXX bank gives me a heads up if they feel my credit score has changed or Im using too much credit. The Bank of America can do this to me, I imagine doing this to others and ruining peoples credit for no reason except that the feds lowered the interest rate.

I believe Bank of America should be investigated and I am sure I am not the customer that has been treated unfairly and they are ruining my credit for no reason at all.

I just open these two cards. There was never a missed payment.. 
It seems unreal that they can close an account within 60 days of opening it. 
None of my other credit cards accounts have been affected. Only bank of America has done this to me and I have all my other accounts with them. I am so angry and frustrated. 
I would like a full investigation.