davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX RO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-10
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: AMERICAN EXPRESS COMPANY (FL)

The Consumer Reporting Agencies have Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on my consumer report.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a line by line investigation of the account listed below, In Accordance With the Fair Credit Reporting Act. This account has violated my federally protected consumer rights : XXXX XXXX XXXX Account # XXXX. 15 U.S. Code 1692b Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 U.S. Code 1692c Communication in connection with debt collection, ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-09-30
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)

Experian is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is Fraud Remove all the of fraudulent Inquiry Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00}
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$650.00}
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Mailed dispute letters XX/XX/2022 to XXXX experian and XXXX Sent a demand to comply letter XX/XX/2022. No results received, nor any communication
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : {$690.00} ; SELF XXXX XXXX XXXXXXXX Balance : {$89.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

XXXX XXXX illegally sold to I.Q. Data International INC. our XXXX rental related debt during the month of XX/XX/2021, which goes against the AB832 law. I.Q. Data International INC. has no legal obligations to pursue the XXXX related debt in collections per the XXXX California State law. The debt XXXX XXXX deemed XXXX XXXX, XXXX XXXX, and XXXX XXXX owed has been paid by the XXXX XXXX program in the form of a overpayment from the original amount owed of {$3100.00}, by paying a total of {$3100.00} on XX/XX/2021 directly to XXXX XXXX, within the legal timeframe under the XXXX state law, that also included a payment of {$37.00} to the illegal interest I.Q. Data International INC. pursued to collect. 

Though XXXX XXXX management is aware that this debt was paid in full directly to them, they have refrained from notifying I.Q. Data International that this debt is to be disputed because it was paid in full. I have contacted I.Q. Data International since XX/XX/2021, by phone explaining to their representatives that the debt the were collecting is illegal, because it is XXXX related debt, and each time they stated they were awaiting a response from XXXX XXXX to confirm this debt, and to confirm the amount stating we owed was paid to XXXX XXXX in full by the state of California. I have reasons to believe that XXXX XXXX  did not respond to I.Q. Data International in truth, which is why they are continuing to pursue this debt, though we are sending them proof in writing that the debt they have continue to collect is illegal. 

The debt paid by the XXXX XXXX rental assistance program, to XXXX XXXX, included illegal fees. There was never a vaulted ceiling fee in our lease at any time we signed, or resigned our lease. XXXX  also charged us for false damages such as painting the unit, and unit upgrade fees.
Consumer complaint received 2022-09-30
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I used my XXXX XXXX XXXXXXXX XXXX credit card on XX/XX/2023. The limit is approximately {$200.00}. I spent {$58.00} and within 3 days XXXX XXXX XXXXXXXX reported it to Transunion. Transunion immediately decreased my XXXX XXXX XXXX points 3 days after using the credit card. Take into consideration I did not use half the credit card balance and they still decreased it. The question is are the credit bureaus suppose to decrease the XXXX XXXX after using your credit card. The card was not close to the limit. This is discrimination against a XXXX consumer.
Consumer complaint received 2022-09-30
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$8500.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to dispute the erroneous reporting of XXXX accounts on my credit report, which violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inconsistencies and inaccuracies found across XXXX, XXXX, and TransUnion data fail to meet the required standards for accurate and verifiable reporting. Please review the violations below and update the records accordingly. Any failure to correct these inaccuracies will be deemed as willful noncompliance and grounds for further legal action. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Inconsistent Payment Status : Each bureau reports a " Late 30 Days '' status, along with a history of lates, yet lacks standardization across comments and documentation. Please substantiate or remove this reporting. 
XXXX XXXX XXXX : The high credit is reported as {$300000.00}. I request verification of this figure as it appears outdated and not reflective of accurate reporting. 
Discrepant Last Payment Dates : XXXX and TransUnion report XX/XX/XXXX, while XXXX XXXX XX/XX/XXXX, violating XXXX XXXX requirements for uniformity. Align or correct this data. 
Inconsistent Reporting Dates : XXXX reported dates varyXXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and TransUnion ( XX/XX/XXXX ). Such discrepancies undermine the reliability of this data. 
Terms ( Months ) : XXXX and TransUnion report 588 months, while XXXX lists 0 months, which is implausible. Please correct to ensure compliance with XXXX XXXX formatting. 
Non-Uniform Comments Section : XXXX inclusion of " Real Estate Mortgage, Conventional Mortgage '' without corresponding comments in XXXX and TransUnion indicates incomplete data submission, which does not meet compliance standards. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Contradictory Account Status : XXXX and XXXX report this account as " Paid, '' while TransUnion lists it as " Closed. '' I request immediate clarification and alignment across all bureaus. 
Inconsistent Last Reported Dates : The dates last reported are different on each bureau : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and TransUnion ( XX/XX/XXXX ). Such inconsistency reflects noncompliance with XXXX XXXX reporting standards. 
Opening Date Discrepancies : The dates differ across bureaus for this account, which must be uniform and verifiable. 
Late Payment Status Variance : TransUnions report of a " 30 Days Late '' payment contradicts the clear Current status reflected by other bureaus, which should not stand if unsubstantiated.
Consumer complaint received 2024-10-24
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. (NJ)

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 1681.

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 than 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.
Consumer complaint received 2022-09-30
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. (DC)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$91.00} ; XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$38000.00}
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (FL)

I have recently discovered a collections account on my credit report for {$1500.00} originally owed to XXXX XXXX XXXX XXXX. The current collections company is XXXX XXXX XXXX. The report also states the account was opened XX/XX/XXXX. I had an account with the XXXX XXXX XXXXXXXX utilities that was opened in XXXX XXXX  XXXX and closed in XXXX XXXX XXXXXXXX in which I arranged a deferral of payments until the water and gas audit at my rental home was performed. I had emailed the director about this several times and spoke with his assistant whom assured me the utilities wouldnt be cut off while it was being investigated. Due to the excessive charges and the audit that was never performed, along with many other problems, I tried to close my account with no luck and informed the officers at the code enforcement department. I didnt receive a single email, phone call, text message or letter or bill in the mail after that and I moved out.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-30
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. (NC)

Hello my name is XXXX XXXX and I want to file a complaint against Equifax for allowing XXXX XXXX to put fraudulent information on my consumer report. All XXXX and XXXX bureaus have deleted XXXX XXXX account information from their records after I disputed the validity of the account such as irregular account dates and account details. Equifax allowed XXXX XXXXXXXX  and a third party to attempt to re-age this account and has deleted all creditor information pertaining to XXXX XXXX from my consumer report but still allowed the account details to remain. XXXX XXXX can not show me any evidence on why this XXXX dollar charge was reported to the credit bureaus in the first place nor have did they ever contact me before they furnished this information nor have I been sent any information prior to let me know I owe a debt. Also I believe Equifax added and abided my nonpublic information being sent to a non-affiliated 3rd party debt collector who then attempted to furnish a charge of XXXX dollars to my credit report in relation to XXXX XXXX and changed the account number to make it seem as though it came from the original creditor. Equifax then deleted the 3rd party creditors information and the Original creditor contact information on my consumer report, to not clearly and conspicuously specify an address to which consumers can send notice that information furnished to a CRA is inaccurate which is a violation of the FCRA. I have asked Equifax to send me all information they have related to this account as according to the law and their policies bearing my wet signature. I want these accounts deleted immediately or I will be seek litigation I am including this report in my records to indicate I have exhausted all resources in connection to this account. I believe XXXX XXXX is using false deceptive or misleading representation or means. I believe Equifax negligently and/or intentionally relying upon verification from a third party source that I have reason to know or should have reason to know is unreliable and failed to provide a description of the procedure used to determine the accuracy and completeness of the information. This has been detrimental to my consumer report and has cause me stress throughout this process and it has hindered from obtaining credit. I have been denied credit applications due to lowered FICO scores due to wrongful credit reporting.