davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

To whom it may concern ; Upon reviewing my credit reports I found a surmount of inquiries on my credit report in wnich i did not authorize. I had a preapproval from a lender already and instucted the dealer to NOT run my credit. As you can see from the listings below - they did anyway and as a result I have many ' inquiries. 

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Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$5300.00} XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXX Balance {$0.00} -tied up XXXXXXXX XXXX XXXX XXXX XXXX Balance {$13000.00} -tied up
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute certain inaccuracies on my credit report that I obtained from your agency. My report contains the following erroneous information : [ Description of the item you are disputing, including account number, creditor name, and specific inaccuracies ] [ Another item, if applicable ] This information is incorrect because [ explain why the information is inaccuratee.g., it is not your account, it is outdated, etc. ]. 

I have enclosed copies of relevant documents to support my claim, including [ list any documents you are including, such as statements, payment confirmations, or identification ]. 

According to the Fair Credit Reporting Act, I request that you investigate this matter and remove or correct the inaccurate information on my credit report. Please confirm receipt of this letter and provide me with the results of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITY NATIONAL BANK (TX)

I paid this debt off in full 2 months ago through XXXX XXXX, the third party collection agency that City National Bank used to collect this debt. However, they have not reported the debt as Paid In Full and it has been reporting negatively on my credit report. I would like this to be removed as well as any late payments that are attached to my account.
Consumer complaint received 2024-09-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (TX)

I have been contacted multiple times a day, XXXX times or more, every day for weeks. I have had multiple emails left and they have also attempted to contact my employer on several occasions, which i had informed them i wasn't allowed calls at work. It is constant and harrasing the number of calls i receive from MaxLend on a daily basis.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

I respectfully ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. 
The details of my complaint are shown in the attachments. 
I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. 
Thank you.
Consumer complaint received 2024-09-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (NH)

Received an email stating if they did not receive a response to the email in 2 hours they would email/fax my employer to make them aware I owe money. The email also stated my SSN had been put on hold by the government.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (NV)

Grow credit is violating fcra and consumers rights. 
This account was closed in good standing prior to any charges that they are claiming. It's closed. Has been. If they have an account when they claim late payments occurred, it's fraudulent. They won't investigate that because I had a previous legitimate account. When I prove them wrong they change dates and re-report. They need to be looked at if it's for a subscription that I didn't order etc. All legitimate charges ever made on this account were paid on time and in full.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

On XX/XX/year> I received a copy of my Experian Credit Report # XXXX. 

Upon going over my credit report given I noticed a HUGE discrepancy regarding a Creditor that does NOT belong to me, and I have NEVER done engaged in business with this company in my life. 

The creditor that is not valid and doesn't belong to me is : XXXX XXXX # XXXX and is listed as a " collection account '' on my Experian credit file. Now, there are 2 major discrepancies in regard to this creditor which by FCRA/Consumer Law needs to be removed immediately and they are as follows : 1 ) FCRA 15 U.S. Code 1681i ( Section 611 ) : If the " investigation '' reveals that the disputed information is inaccurate or incomplete, the CREDIT REPORTING AGENCY MUST DELETE or correct the information promptly.

2 ) Attached to this final letter before escalation to the Attorney General, you will notice on the credit report that this item was originally listed as an amount of {$5900.00}. I disputed and also Requested Proof of Verification method as well as a Copy of any supposed Contract between me and this listed creditor, which I still HAVE NOT received! on this credit report is shows a balance update of {$6000.00}. Which poses the question and concern of Fraud and Illegal business measures and practice from both XXXX XXXX as well as Experian. The question posed is, How can a collection company who by reviews buys debt change a debt price? Again there has been NO validation of this debt and this debt doesn't belong to me. 

Under 15 U.S. Code 168i ( Section 611 ) It also states that " Any information that is found to be inaccurate, incomplete or unverifiable must be deleted. 

XXXX ) under Terms it's listing 1 month but showing 2 under the payment history which don't match up. Also incomplete and obviously inaccurate 4 ) It also shows a balance of {$5900.00} under " account balance '' which doesn't match the 2 other supposed balances given on the same credit report, showing another inaccuracy and incomplete & fraudulent information. 

I sent in a certified letter on XX/XX/year> which I still have receipt of, disputing this incorrect and invalid creditor from my credit report clearly requesting receipt and Copy of Validation which was NEVER given from Experian nor from the Company, blatantly proving that they are both openly indulging in Unfair Business Practice and disregarding FCRA/Consumer LAW.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX XXXX XXXX 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 2024-10-18
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. (GA)

[ XXXX A XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Equifax for Fraudulent Reporting and Retaliation To Whom It May Concern, I am writing to formally lodge a complaint against Equifax regarding their fraudulent and malicious actions that have resulted in the wrongful placement of damaging statements and events on my credit report. As well as attempts to conceal said events, by restricting my access to their products ; as evidence will further. These actions appear to be retaliatory in nature, stemming from my previous disputes concerning their negligence and failure to comply with consumer protection laws as outlined by the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and the Fair Debt Collection Practices Act ( FDCPA ). 

Equifax has knowingly and willfully submitted false information to my credit report, specifically, while investigating dispute, regarding a previously closed charge-off account with XXXX XXXX. They have falsely reported this account as open and currently show that I have 68 missed payments. Prior to this erroneous reporting, I maintained an excellent payment history of 100 %. However, due to these malicious actions, my reported payment history has plummeted to a mere 35 %. This unjust and fabricated alteration directly impacts my creditworthiness and financial stability. 

Despite my repeated attempts to resolve these disputes through Equifaxs established processes, they have chosen to ignore my concerns and instead continue their pattern of deception. This negligence not only violates the standards imposed by the FCRA, FTC, and FDCPA but also constitutes a premeditated effort to defraud my credit standing, leading to unjust consequences for my financial life. 

The impact of Equifax 's actions has been profoundly damaging, resulting in loss of credit opportunities, increased XXXX, and a sense of helplessness in navigating a system meant to protect consumers. By failing to take responsibility for their actions and by engaging in retaliation, Equifax has not only harmed me but has undermined the integrity of the credit reporting system as a whole. 

I urge the Consumer Financial Protection Bureau to investigate Equifax 's practices concerning the reporting of consumer credit and to take necessary action against their misconduct. Consumers deserve a system that upholds accuracy, fairness, and accountability, and Equifax 's current actions blatantly contravene these principles. 

Thank you for your attention to this serious matter. I look forward to your prompt response and action regarding my complaint. 

Sincerely, [ XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Dear Experian Dispute Department, I am writing to formally dispute inaccurate information being reported on my credit report regarding the above-mentioned accounts with the Department of XXXX. Both accounts ( XXXX and XXXX ) are incorrectly showing XXXX late payment, despite the fact that I have never made any late payments on these accounts. 

I have already disputed this issue with XXXX, and they have corrected their records to reflect both accounts as Paid as Agreed. However, despite the correction, Experian and XXXX have failed to update my credit report to reflect this, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Specifically, Experian are in violation of : FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting inaccurate late payment information that has been corrected by XXXX is a violation of this requirement.

FCRA Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] : Upon notification of a dispute by the consumer, credit reporting agencies must conduct a reasonable investigation and correct or delete inaccurate or incomplete information. The continued reporting of inaccurate information after a pr
oper investigation violates this section of the FCRA.

FCRA Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] : Furnishers of information to credit reporting agencies, like XXXX, are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Since XXXX has already updated the account to " Paid as Agreed, '' the failure to correct this information with Experian and XXXX is another violation. 

This ongoing inaccuracy is unjustly harming my credit score and causing emotional and financial stress, as I am being hindered from utilizing my credit properly. All credit reporting agencies are legally required to report accurate and consistent information, and this failure is negatively impacting my financial well-being.

I respectfully request that you : Immediately conduct an investigation and correct the inaccurate information on both accounts to reflect " Paid as Agreed. '' Provide me with written confirmation that these updates have been made to my credit report.

Cease reporting any inaccurate late payment information to prevent further harm. 
Enclosed is my updated XXXX credit report, which confirms the correction of this information by XXXX. 

Please take action as required under the Fair Credit Reporting Act, and notify me of the results within 30 days of receiving this letter, as required by law.
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (PA)

I have contacted the Creditor and also contacted Equifax to perform a thorough investigation into this matter. I have notified this creditor that I dispute this alleged account. The creditor sent me a letter and stated that per my request the account would be ceased but this account is still currently reporting to my Equifax report. It was deleted and then reinserted again, which is a violation per the letter that was received. Please remove from my consumer report
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (WA)

Called the Synchrony Bank on XX/XX/year> and spoke with XXXX concerning the discrepancy between my loan amount and the " new '' balance on my statement. Was told the fee is a standard fee and would not be waived. They provided no explanation of where or how I was previously notified of this " junk '' fee.
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The online security freeze request is broken. After successfully passing their identity verification, there is no way to create a new account because there is a bug when fulfilling their password requirements. You either get a passwords do not match message or password requirements message -- which I fulfilled multiple times. 

This is either an unfair practice or a deceptive practice for any consumer wanting to place a security freeze online.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I sent disputes to Experian XXXX. XXXX XXXX XXXX, TX XXXX on XXXX/XXXX/2016. The investigation was not sent to me 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.