davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (MS)

This account was charged off XXXX XXXX XXXX XXXX XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Consumer complaint received 2024-08-20
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-02
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-20
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. (AZ)

**Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Account and Improper Reporting XXXX  XXXX XXXX XXXX account number XXXX XXXX Dear Equifax, I am writing to formally dispute an inaccurate and fraudulent account that is being reported on my credit file. The account in question is a paid charge-off from XXXX XXXX XXXX XXXX XXXX I have also received a 1099-C form associated with this account, indicating that the debt was canceled and considered income. 

Under the Fair Credit Reporting Act ( FCRA ) and in accordance with federal consumer laws, specifically 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this account from my credit report. A charge-off that has resulted in a 1099-C form being issued can not legally be reported as an outstanding debt, as it is considered income, not a current liability. Reporting this as a negative item on my credit report is a clear violation of the law and is damaging to my creditworthiness. 

Please take the necessary actions to investigate this matter and remove the account from my credit file immediately. Enclosed, you will find a copy of the 1099-C form and any additional documentation required to support this dispute. 

This situation is causing undue harm to my financial reputation, and I expect prompt resolution. Please confirm in writing that this account has been removed from my credit report. 

Subject : Formal Notice of Intent to Sue Unresolved Dispute Regarding Fraudulent Account This letter serves as a formal notice of my intent to pursue legal action against Equifax Information Services LLC for its failure to accurately maintain and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal consumer protection laws. 

I have previously notified Equifax regarding a fraudulent and inaccurately reported account from XXXX XXXX XXXX XXXX, which is listed as a paid charge-off on my credit report. I also received a 1099-C form for this account, indicating that the debt was canceled and should be considered income, not a current debt. 

Despite my dispute and the clear violation of 15 U.S.C. 1681c ( a ) ( 4 ), Equifax has failed to take appropriate action to remove this erroneous account from my credit report. This has caused significant harm to my credit score, financial reputation, and overall well-being. 

I demand that Equifax immediately remove the fraudulent account from my credit report. Failure to do so within [ XXXX business days ] from the receipt of this letter will result in me filing a lawsuit in [ your jurisdiction 's court ] for violations of the FCRA and any other applicable laws. I will seek all available damages, including statutory, actual, and punitive damages, as well as attorney 's fees and costs. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Fraudulent Account and Improper Reporting XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX Dear Equifax, I am writing to formally dispute an inaccurate and fraudulent account that is being reported on my credit file. The account in question is a paid charge-off from XXXX XXXX XXXX XXXX XXXX I have also received a 1099-C form associated with this account, indicating that the debt was canceled and considered income.

Under the Fair Credit Reporting Act ( FCRA ) and in accordance with federal consumer laws, specifically 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this account from my credit report. A charge-off that has resulted in a 1099-C form being issued can not legally be reported as an outstanding debt, as it is considered income, not a current liability. Reporting this as a negative item on my credit report is a clear violation of the law and is damaging to my creditworthiness. 

Please take the necessary actions to investigate this matter and remove the account from my credit file immediately. Enclosed, you will find a copy of the 1099-C form and any additional documentation required to support this dispute.

This situation is causing undue harm to my financial reputation, and I expect prompt resolution. Please confirm in writing that this account has been removed from my credit report.

Subject : Formal Notice of Intent to Sue Unresolved Dispute Regarding Fraudulent Account This letter serves as a formal notice of my intent to pursue legal action against Equifax Information Services LLC for its failure to accurately maintain and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal consumer protection laws. 

I have previously notified Equifax regarding a fraudulent and inaccurately reported account from XXXX XXXX XXXX XXXX, which is listed as a paid charge-off on my credit report. I also received a 1099-C form for this account, indicating that the debt was canceled and should be considered income, not a current debt.

Despite my dispute and the clear violation of 15 U.S.C. 1681c ( a ) ( 4 ), Equifax has failed to take appropriate action to remove this erroneous account from my credit report. This has caused significant harm to my credit score, financial reputation, and overall well-being. 

I demand that Equifax immediately remove the fraudulent account from my credit report. Failure to do so within [ 4 business days ] from the receipt of this letter will result in me filing a lawsuit in [ your jurisdiction 's court ] for violations of the FCRA and any other applicable laws. I will seek all available damages, including statutory, actual, and punitive damages, as well as attorney 's fees and costs. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (CA)

1 ) Contracted ended on XX/XX/year> 2 ) Made final payment on XX/XX/year> for {$490.00} 3 ) Letter dated XX/XX/year> stating my lease ends on XX/XX/year>. No mention of return date if I do not purchase. 
4 ) Dropped off car on XX/XX/year> ( XXXX weeks prior to end of lease ) with XXXX miles. Total miles Im allowed to use is XXXX. Less miles of XXXX. 
5 ) Received letter dated XX/XX/year> stating that the car must have been held until XX/XX/year> and by state law they can charge me an early termination fee of {$37000.00} until the car is sold or the difference between {$37000.00} and appraised value. 
6 ) XX/XX/year> called and spoke to XXXX XXXX who said by state law they have to send out letter but I will only owe disposition fee and tax. I asked about credit of less mileage and he said it will all be applied on settlement letter. 
7 ) XX/XX/year> received email stating I owe {$390.00} fee + tax= {$410.00}. Spoke to XXXX and she said she will have it researched and get back to me by Thursday XX/XX/year>. 
Contract STATES : PAGE 5 Of 5 # 41 If the lease ends on or after the start of the next to last monthly period and you do not buy the vehicle, we will give you a credit for any unused extra miles, unless vehicle is total loss. THIS was not a total loss car. I gave it back to them in pristine condition. 
Ally Bank is not responding. XXXX  has a D rating with no response to customer inquiries that is why Im reaching out to you. They should give me a credit of XXXX miles x XXXX mile= {$340.00}. 
Therefore XXXX XXXXXXXX {$77.00}. 
Again, I told them I was giving them until today to respond and they havent. They have reported the {$410.00} to credit bureau when previously it showed I had paid it off 100 % XXXX balance owing. Thank you
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-11-21
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. (GA)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 
\nI demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$750.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$3700.00} XXXX XXXX Reported : XX/XX/XXXX {$52.00} Below are the fraudulent inquiries as followed : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX 2023
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX ( XXXX ) This account is currently reporting inaccurately : I had a forbearance agreement plan with XXXX XXXX XXXX, and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.
Consumer complaint received 2024-08-20
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. (TX)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. These separate fraudulent charge-offs, collections and inquiries on my consumer XXXX credit report which I did not give my written permission to furnish information on my consumer reports. I was not warned before any transaction that I would be creating credit with a wet ink signature and I did not receive my XXXX discosures pursuant FCRA XXXX XXXX XXXX XXXX ( 15 U.S.C 6802a, which includes the option to opt-out of information being furnished to my consumer report. which proves these accounts is reporting fraudulently and committing identity theft. XXXX XXXX XXXX XXXX date XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX, XXXX on XX/XX/2023, XXXX on XXXX XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX on XX/XX/2023 and every address on my consumer report except XXXX XXXX XXXX, XXXX tx XXXX all these entries violates FCRA and FDCPA. Im requesting deletion in Good In Good Faith All rights Reserved These inaccurate and false information being furnished I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Child support, and three credit cards. I have asked for the letter from my XXXX  XXXX Trustee that approved this debt. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-11-25
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. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

MY ACCOUNT BALANCE WITH XXXX XXXX XXXX IS INCORRECT. MY BALANCE IS XXXX ( XXXX ). XXXX XXXX XXXX  NEEDS TO UPDATE MY INFORMATION CORRECTLY. THE BALANCE IS XXXX ( XXXX ) FOR THE ACCOUNT ENDING IN XXXX AND ACCOINT ENDING IN XXXX.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have asked several times for the validation of these accounts below and they just keep sending me notifications saying account verified but nothing else has been done about what I have asked for so I am going to seek damages for the numerous violations in the amount of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request and Removal of Bankruptcies, XXXX account and XXXX  account Dear Sir/Madam, I am writing to formally request validation of the XXXX bankruptcies listed on my credit report, as well as to dispute the reporting and validation of XXXX  and XXXX credit card accounts. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debts reported against me. Specifically, I refer to 15 U.S.C. 1692g, which mandates that a debt collector must provide verification of the debt upon request. 

The bankruptcies I am disputing are as follows : XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy I request that you provide me with the documentation verifying these bankruptcies, including the details of the accounts involved, the dates filed, and the creditors associated with these filings. Should you be unable to provide this documentation, I request that you immediately remove all three bankruptcies from my credit report. 

Additionally, I am disputing the reporting and validation of the following accounts : - Fingerhut Address : XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX - XXXX  Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Please provide verification of these accounts as well. If you can not validate these debts, I also request their immediate removal from my consumer report. 

I expect a response to this request within 30 days, as mandated by law. Please be advised that I will be keeping a record of all communications regarding this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX